Navigating Disability Benefits in Kitchener-Waterloo: What You Need to Know in 2025

If you’re unable to work due to illness or injury, you may be eligible for long-term disability (LTD) benefits—but navigating the application or appeal process can be confusing and stressful. At Hilborn and Konduros, we help individuals in Kitchener, Waterloo, Cambridge, and across Ontario access the support they deserve when facing a disability.

Understanding Long-Term Disability Benefits
LTD benefits provide financial support to those who can’t work due to a prolonged medical condition. These benefits are usually offered through employer-sponsored group insurance plans or privately purchased disability policies. To qualify, you’ll need to meet the policy’s definition of “disability” and provide extensive medical documentation.

Denied LTD Claim? You’re Not Alone
Unfortunately, denied disability claims are common. Insurance companies may argue that you are not “totally disabled” or that you haven’t provided enough evidence. If your LTD claim has been denied or terminated, you still have options.

At Hilborn and Konduros, we assist clients with:

Reviewing denial letters and insurance policies
Gathering medical reports and expert opinions
Filing appeals or initiating legal action when necessary

Local Legal Support You Can Trust
As experienced disability lawyers in Kitchener-Waterloo, we understand the challenges you’re facing. We’ve helped many clients across the region fight denied disability claims and get the benefits they’re owed.

If your claim has been denied, there are strict deadlines to file an appeal or lawsuit. Contact our office today to book a free consultation with a disability lawyer in Kitchener or Waterloo. We’re here to help you move forward with confidence.