How long does it take to resolve a long-term disability lawsuit in Toronto?

The timeline for resolving an LTD lawsuit in Toronto can vary depending on several factors, including the complexity of the case, the responsiveness of the insurance company, and whether the matter is settled out of court or proceeds to trial.  

On average, LTD lawsuits typically take 1 to 3 years to resolve. Here’s a general breakdown of the timeline:

• Initial Filing and Pleadings: The first few months involve filing legal documents, serving the claim, and waiting for the insurer's response. This phase usually takes 2 to 6 months.
• Discovery and Evidence Gathering: During this stage, both parties exchange information, conduct examinations for discovery, and gather evidence to support their positions. This process can take anywhere from 6 months to 1 year, depending on the complexity of the case.
• Negotiations and Mediation: Most LTD cases are resolved through negotiations or mediation, which often occurs after the discovery phase. Mediation can take an additional 3 to 6 months, depending on both parties' willingness to settle.  
• Trial (if required): If the case does not settle during mediation, it will proceed to trial. Trials tend to be a last resort, as they are time-intensive and expensive, and scheduling can add an extra delay of 1 year or more.  

While many cases are resolved without going to trial, the key to expediting the process is ensuring all required documentation is prepared and cooperation between parties is maintained. Working with an experienced LTD lawyer can also help streamline the process and increase your chances of a favourable outcome.  

If you’re considering an LTD lawsuit in Toronto and want clarity on your options and potential timelines, we recommend reaching out to a legal specialist for personalized guidance.