MA LTD

Matthews Abogado LTD (MA LTD)

Overview & Firm Identity

• Name & Structure: Matthews Abogado LTD (or “MA LTD”) operates as a specialized division of Matthews Abogado LLP, focusing on long‑term disability (LTD) claims.

• Head Offices & Reach: The firm has offices in Toronto, London, and Ottawa, Ontario.

• Client Base: Their clients are individuals across Ontario whose long-term disability claims (or related insurance claims) have been denied or terminated.

• Leadership & Team: Key LTD practice leaders include Tom S. Yen, Sara Azghadi, and Andrew E. Franklin. Other partners of the broader firm include Linda Matthews, M. Greg Abogado, Talaal Bond, Dylan Crosby, Christian Farahat, Jason Huang, Naina Khanna, and Ilya Artemyev.

• Contact & Address:
   - Toronto office: 401 Bay St, Suite 2600, Toronto, Ontario
   - London office: Tower B, 6th Floor, 380 Wellington St., London, Ontario
   - Phone (Toronto): 416‑703‑8700

Areas of Practice / Service Lines

1. Long-Term Disability (LTD) & Disability Benefit Claims

This is the core offering of MA LTD. Their services in this domain include:

• Denied LTD Benefits / Appeals: Helping clients contest denials from insurance companies and navigating the internal appeals process.

• Lawsuit / Litigation: Initiating court proceedings to enforce benefits if appeals fail.

• Gathering Evidence / Medical Documentation: Obtaining medical, expert, and other records to support claims.

• Negotiation / Settlement: Negotiating with insurers to reach favorable settlements when possible.

• Types of Conditions Covered: Psychological / mental health claims (e.g., depression, anxiety, bipolar disorder, PTSD), chronic pain, fibromyalgia, COVID‑19 / long COVID, critical illness, stroke, brain injury, cancer, arthritis, addiction, psychosis, and more.

• No Upfront Fees / Contingency Basis: Clients are not charged unless there is a successful outcome.

• Free Consultations: Initial consultations are offered at no cost.

2. Broader Insurance & Litigation Practice

Beyond LTD, the parent firm handles various insurance, liability, and tort litigation matters:

• Personal Injury & Disability Litigation: Representing plaintiffs in cases arising from motor vehicle accidents, slip & fall, and other negligence claims.

• Denial of Other Insurance Claims: Including critical illness, life insurance, and adverse outcomes following medical treatment.

• Insurance Defense & Coverage Disputes: Representing insurers and insureds in coverage, liability, and policy disputes.

• Commercial Litigation & Insurance-Related Disputes: Disputes involving commercial policies, including general liability and product liability.

• Policy & Coverage Interpretation: Handling issues around policy wording, allocation, priority, and subrogation.

Process & Client Experience

1. Initial Contact / Intake: Free consultation to assess merits of the claim.

2. Case Assessment & Strategy: Analyzing medical evidence, insurance policy documents, and prior correspondence to determine the best course (appeal or lawsuit).

3. Full Legal Handling: Handling communication with insurers, collecting additional evidence, preparing documentation, and managing appeals and litigation.

4. Settlement or Trial: Settling cases when possible; pursuing court action if needed.

5. Fees & Retention: No upfront fees; legal fees and out-of-pocket expenses are drawn from the settlement or judgment only if successful.

6. Client Communication & Support: Emphasizes clear communication, regular updates, and support throughout the legal process.

Unique Selling Points & Strengths

• Specialization in LTD / Disability: Dedicated focus and depth in this complex area.

• Experience & Reputation: Over 60 years of combined experience in insurance and litigation.

• Contingency Model: Reduces client risk—no upfront legal bills.

• Comprehensive Insurance Litigation Backing: Expertise in both plaintiff and defense sides of insurance litigation.

• Geographic Reach & Access: Multiple offices allow serving clients across Ontario.