Hilborn & Konduros Law Firm

06/12/2026

Hearing from clients like this means a lot.
My goal is always to provide clear guidance, compassionate support, and the experience needed to help you navigate difficult situations, especially when your LTD benefits have been unfairly cut off.

If you're wondering what it's like to work with me, you can read more experiences from past clients on my Google Business Profile (Hilborn and Konduros)

06/11/2026

In the weeks following your car accident, you’ve kept reading and hearing two phrases: 'accident benefits' and 'lawsuit.'

Not only are you unsure of the difference, you are confused as to why you are being told you must first go through your own insurance even though the other driver was clearly at fault in the accident.

Between claiming insurance accident benefits and filing a lawsuit, you are anxious to understand what each path would lead to in monetary terms. While you do not want to be unfair or greedy, neither would you want to face unpaid bills, loss of wages, or long-term pain.

Everyone keeps telling you that you have an accident benefits claim and maybe grounds for a lawsuit. Is there a way, you wonder, to receive help through both routes, receiving benefits from both your insurance company and the court system? You would like to be fair, but frankly, right now, you are simply overwhelmed:

Injured in an Ontario car accident? Learn the key differences between no-fault accident benefits and a lawsuit against the at-fault driver, and what each one covers.

06/10/2026

Waiting for the Long-Term Disability denial letter is one of the worst things you can do.
By the time the termination letter arrives, the insurer may already have months of material in the file.
That is why early action matters. Keep copies of every form. Track symptoms, bad days, and recovery time. Make sure your medical notes match what you are saying.
A strong claim is built by consistency over time.
Do not wait until after the cutoff to get organized.

06/09/2026

The first win is often a relief.
People think the biggest benefit of legal help is the final payout.
Sometimes the first real benefit is much simpler.
Relief that someone is dealing with the insurance company.
Relief that deadlines are being watched.
Relief that the paperwork is being handled properly.
Relief that someone can explain accident benefits and legal options in plain English.
That matters when you are injured.
Because the more confused you are, the easier it is to make rushed decisions.
And rushed decisions usually cost people later.
If the process feels heavier than your recovery, you do not have to carry it alone.

06/08/2026

I just won a major personal injury case against a company and the insurance company behind them is called Aviva. It fights these cases very hard but, in this case, they're going to have to pay a lot of money.

This is the same Aviva who in car accident cases is always telling the Ontario government that It's difficult to return a profit but at their annual general meetings in London, England, where they're head officed, they brag about how much profit they're making, particularly from the Canadian operations.

In March of 2026, they told their shareholders that they made so much money in 2025 that they surpassed their targets for 2026 based on their 2025 income alone. So, this is the company that deals with a lot of cases in Canada.

If you have problems with your case or if you're up against somebody who's insured by Aviva, please give me a call: (519) 658-6341

06/05/2026

As a long-time Ontario worker sidelined a couple of years ago by worsening medical conditions, you were just recently notified that your Securian Canada insurance benefits are in danger of being cut off. Ironically, while you only wish you were well enough to step back into the world you knew prior to your injury, your everyday realities paint a far different picture.

You've been reading the denial letter over and over, but with all its technical terminology and directives describing new tests, interviews, standards, and requirements, you feel overwhelmed, hardly knowing where to begin. The feeling is overwhelming: “little me” against a mighty giant:

Denied by Securian Canada for LTD in Ontario? Learn common denial reasons, key deadlines, evidence that works, and what to do next.

06/04/2026

For the past year and a half, you have been just barely able to manage your finances and pay the bills on time. Having heard stories about long-term disability benefits being cut off at the two-year mark, you are determined to remain calm and be proactive to protect the income stream on which you depend.

Are you just being paranoid? No. You have begun to sense a change in tone from your insurer. You are getting more frequent review visits and more forms to complete. There have also been several requests that you schedule an IME with a doctor of their choosing at a facility other than the one you are used to visiting. Even though you have filled out form after form over the past year or so, new forms are being sent to you requesting 'updates.'

In the most recent correspondence, there has been mention, for the first time, of your 'return-to-work' plan. Once known to be highly motivated and strongly committed to excellence at your job, you now realize that both your physical stamina and concentration have been so diminished that getting through a full day of any kind of work is just not yet possible.

Read more:

Spot the signs your insurer is building a case to end LTD: IMEs, surveillance, file reviews, and 24-month reviews. Steps to protect yourself.

06/01/2026

Most people think the 24-month letter means their claim is over. It doesn't. It means the fight is just starting