
Why Manulife Denies Long-Term Disability Claims And How To Fight Back
If your Manulife LTD claim has been denied, you may have a chance to appeal. Click here to learn more.
(905) 218-3668
If your disability benefits were denied, delayed, or terminated, we can help you challenge the decision and pursue the compensation you deserve.
We represent individuals injured in car accidents, slip and falls, and other serious incidents caused by negligence.
As a car accident victim, Terio understands the confusion, uncertainty, frustration and anxiety that comes with trying to regain a sense of normalcy following a collision.
Born and raised in Toronto, Terio studied law at the Schulich School of Law at the University of Dalhousie in Nova Scotia. He went on to practice with a boutique personal injury firm gaining substantial litigation experience.
EXCELLENT Based on 127 reviews Posted on Google B CTrustindex verifies that the original source of the review is Google. A good personal injury lawyer should be knowledgeable, honest, compassionate, approachable, and committed to protecting the client’s rights. The lawyer should listen carefully, explain the legal process clearly, respond promptly, and handle every case with patience and professionalism. Lawyer Terio Francis of TSF Law demonstrates all these important qualities. He is respectful, attentive, professional, and dedicated to achieving the best possible outcome for his clients. His clear communication, legal knowledge, and genuine concern make him a trustworthy and dependable personal injury lawyer. One of the patients from the clinic was referred to TSF Law, and the experience has been very positive. Ms. Marina also deserves special appreciation for her timely responses, regular follow ups, and professional communication. Her prompt assistance helps make the entire process smooth and reassuring. Highly recommended to anyone seeking professional legal representation for a personal injury matter.Posted on Google M VTrustindex verifies that the original source of the review is Google. Terio Francis was excellent at his job.He was very thoughtful and very excellent for he did for me his staff was very helpful and very informative also whey were there all the way for me answering my question and very friendly people to deal with me thank you again for your help Melanie VPosted on Google M LTrustindex verifies that the original source of the review is Google. I had the pleasure of working with Licia at TSF Law after I was involved in a car accident just over a year ago, and I truly couldn’t have asked for a better lawyer. From the very beginning, Licia was compassionate, professional, knowledgeable, and always took the time to answer my questions. She kept me informed throughout the entire process, made what could have been a very stressful experience much easier to navigate, and always made me feel like she genuinely cared about my well-being—not just my case. I am so grateful for all of her hard work, dedication, and support. If you’re looking for someone who is honest, responsive, and truly advocates for her clients, I highly recommend Licia and the team at TSF Law. Thank you for everything!Posted on Google P HTrustindex verifies that the original source of the review is Google. TSF Law is worthy of every business they can get. Mr. Francis and his team are real professionals. They are people persons, they take their clients concerns as their. In one's year and seven months, they got our accident tort settled and myself and my husband are really appreciative for their hard work that really pain off. Well done TSFPosted on Google K JTrustindex verifies that the original source of the review is Google. As a new immigrant to Canada. I had an excellent experience with the firm, after my accident I was overwhelmed and highly uninformed. From my first meeting with Terio from TSF, they handled everything from dealing with insurance companies and gathering of my medical records and documentation to facilitating my rehab. They always return my phone calls and emails and explained every step as a new immigrant that was very helpful at the end we were able to negotiate a better settlement than I thoughts for. I highly recommend TSF to anyone who's been in an accident and needs a dedicated trustworthy legal team on their side.Posted on Google D JTrustindex verifies that the original source of the review is Google. A very dedicated and dellingent firm.i was pleased with the services offered and the help given by both lawyer Terio and especially Marina through out my claim with the insurance company after my car accident.The whole staff at the firm was very helpful and their swift responses to my e-mails made the process alot easier and less stressful for me.i highly recommend them after my successful dealing with them. David jacksonPosted on Google A WTrustindex verifies that the original source of the review is Google. TSF Law is an amazing firm ! Terio is a great lawyer who gets the work done and responds to his clients very quickly! I highly recommend this firm!Posted on Google J JTrustindex verifies that the original source of the review is Google. Am extremely humbled by the reception and the way you handled my issue it was soo professional and I was satisfiedPosted on Google A GTrustindex verifies that the original source of the review is Google. Thanks to Terio ,Maria and rest of his team. They did excellent job, professional with good results. Highly recommended for any dispute with the long-term disability issues. They deserve 10 stars review!!!Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
At TSF Law, clients are never treated like case numbers.
We believe legal representation should feel accessible, supportive, and transparent from the very beginning. Our team takes the time to understand your situation, explain your options clearly, and guide you through each stage of the process.
After an injury or disability claim denial, many people feel overwhelmed by paperwork, delays, medical requests, and pressure from insurance companies.
You may be wondering:
These situations are stressful, especially when your income, health, and future are on the line.

If your Manulife LTD claim has been denied, you may have a chance to appeal. Click here to learn more.

Ontario has unfortunately seen an increase in serious motorcycle accidents over the past five years. For riders recovering from a crash as well as those

A fall on a broken sidewalk can seem minor at first, but many people do not realize how quickly these incidents can turn into serious
If you are dealing with a denied disability claim, injury, or insurance dispute, TSF Law is ready to help.
Speak directly with our team and get the answers you need to move forward.
If you have been injured, reach out to us for a free consultation with one of our personal injury lawyers in Mississauga. We would be happy to discuss your case with you and answer any questions or concerns you may have.
Head Office
259 Traders Boulevard East
Unit 10
Mississauga, ON
L4Z 2E5
West Office
10 Zina Street
Orangeville, ON
L9W 1E1
905-218-3668
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