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Many claimants get confused by the ability to appeal an LTD denial. The confusion lies on what did the LTD claim first get denied? Was it the date of the initial denial; or was it on the date that the 1st, 2nd or even 3rd appeal was denied? You can see how this can be confusing for a person who is new to LTD claims.

http://www.torontoinjurylawyerblog.com/2016/11/appeal-not-appeal-long-term-disability-denial-ontario.html