Long Term Disability Claims

Long-term disability insurance plans are meant to help you financially when you are unable to work due to an illness or an injury. Even though you or your employer pays the premiums to ensure that you are protected if you need to apply to use your LTD insurance, too often the claims are denied or prematurely terminated.

Insurance carriers use confusing language and purposely make their contracts and correspondence difficult to understand for many insured.  If you have been denied or your claim terminated contact our long-term disability lawyers to quickly resolve your claim.

Suffering some form of illness or injury is stressful enough to deal with on its own, and no longer being able to work to support yourself and your family can be an added challenge. Everything combined can take a toll on you and your health, and if you have disability benefits, understanding them can be essential to protecting your future. Whether you need to still file a long-term disability claim, or are still collecting benefits, or need to appeal your denied claim, our law office is here to provide you sound legal advice with a free initial consultation.

Our law firm has helped clients fight for their rights under Ontario law, and we do everything in our power to help alleviate your stress in this difficult situation. Suffering an injury or illness can take a toll on your physical and mental health and it is our duty to help make this process as seamless and enjoyable as possible. We strive to make this process as stress-free as possible.

When you contact our law firm, our personal injury lawyers speak to you directly to discuss your disability insurance policy. We explain the legal process to our clients in detail and keep them fully informed throughout the way. Our injury lawyers will work tirelessly to advance your insurance claim and either reinstate your benefits or settle your case for a lump sum. We are happy to offer a free consultation to evaluate your case. Long-term disability benefits can be critical to protecting your future, and it is our job to help our clients navigate the overly complicated and adversarial system.

Benefit Programs

There are a number of disability benefit programs in Canada and Ontario. These programs are in place to provide compensation to Canadians that are unable to work because of injury or illness. Long-term disability claims, however, are private in nature and are not government programs.

Canada also offers Employment Insurance or “EI” that provides individuals with financial relief when they are out of work. There are a number of criteria that you must meet to qualify for EI.

Some helpful information can be found on the following website: https://www.canada.ca/en/services/benefits/ei.html

Those who qualify for this benefit, or other benefits through the government, should apply in a timely manner to ensure that deadlines are not missed. You can apply online, but it is always recommended to speak with an experienced personal injury lawyer to ensure that you fill out the application correctly. Whether you have fallen ill, or are suffering from fibromyalgia or some other injury, your insurance provider may owe you compensation. Disability insurance in Ontario covers a number of medical conditions, including anxiety, depression, chronic pain, or other health conditions.

In order to qualify for disability benefits, you will need to meet the definition of total disability. This means you will need to be deemed by medical professionals that you are unable to perform the substantial duties of your own occupation. Unfortunately, some insurance companies unreasonably deny disability benefits to perfectly qualified claimants.

Insurance Companies Will Try To Deny Disability Claims

They will use any little reason to deny or delay a claim. They are not working for you, rather, their main focus and goals are to save money on payouts.

It is never too early to contact a disability lawyer to discuss your LTD claim. There are time-sensitive deadlines that could permanently affect the outcome of your claim if not met. We will work closely with your medical and rehabilitation professionals involved in your care, putting together a claim with all the necessary supportive medical evidence. We will also take over the stressful direct communication with the insurance company. We have significant experience reviewing disability policies, and will do whatever we can to properly appeal your disability claim denial. We will gather your medical records and refer you to the appropriate treatment providers and experts.

Why Do I Need A Disability Lawyer?

An experienced disability lawyer can advocate for your rights and assist in recovering your benefits. Our disability lawyers will review your medical records, and fight for your disability rights. We offer free consultations and will review your case at no cost. We will evaluate your insurance claim and advise you on the merits of your claim and your options with your appeals. Our law firm will request your medical records, and if you have been denied your disability benefits, we will initiate a claim against your disability carrier, asking a Court that your disability insurance carrier reinstate your benefits and pay you any outstanding benefits owed to you.

The disability claims process is complicated, discouraging, and time-consuming. The language in the insurance policies is often complex which can add to the frustration. If you have been denied disability benefits, you need an experienced personal injury lawyer to help protect your rights and get you the disability benefits you deserve.

Bernstein Law Group Can Help You With Your Long-Term Disability Claim

Whether you have been injured in a car accident or suffered some other injury or illness, you may be entitled to disability benefits through your insurance policy. Each disability plan is unique, but every plan will replace a portion of your income when you meet their definition of “disabled”. Many policies provide disability payments for two years if you remain unable to return to your job due to illness or injury, and will continue to pay after two years if you are unable to work at any job.

It is typically at the two-year mark that disability companies cut-off disability benefits. The insurance company will likely argue that you are able to work at some type of job. If you have been cut-off benefits unreasonably and unfairly, you have the right to contact a disability lawyer to make a claim for benefit reinstatement or to settle for a lump sum.

The definition of what is classified as disabled will vary from one insurance plan to the next. The short-term disability definition will be different from the long-term disability definition. The injury lawyers at our law firm will critically examine the insurance policy and assess the merits of your case.

Hiring a personal injury lawyer will help protect your rights and advocate for your long-term disability insurance claim. Our skilled lawyers are here to assist you every step of the way. To schedule your free initial consultation, please contact our law office today to discuss how our legal services can help you. We do not get paid unless we win!

Our law firm services Hamilton, Brampton, Ottawa, Toronto, Oakville, Mississauga, Brantford, Burlington, and the rest of Southern Ontario. Whether you are suffering chronic pain, have been in a motor vehicle accident, or are suffering from some type of medical condition, our insurance lawyers can help. Our experienced disability lawyers will keep you apprised of the legal process and do whatever we can to protect your disability rights.

Contact our law firm now for a free no-obligation, consultation, and evaluation of your case.