Richmond Hill Long Term Disability Lawyer
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Your employer’s group insurance plan might include coverage for Long-Term disability (LTD) benefits. If you are self-employed or do not have sufficient coverage through your employer’s insurance plan, you might have chosen to pay monthly premiums for a privately held policy that includes access to LTD benefits. LTD benefits are typically made available to severely injured or chronically ill insurance policyholders who are unable to carry out the tasks associated with their occupations because of the medical conditions they have acquired.
Although each insurance policy is different and eligibility criteria for disability benefits may vary from insurer to insurer, injured or ill policyholders who wish to submit a claim for LTD benefits do not necessarily need to have sustained an easily observable medical condition in order to qualify for disability benefits. If invisible injuries or illnesses– including mental health conditions– make it impossible for a policyholder with sufficient insurance coverage to do their jobs, they might qualify for LTD benefits.
Some medical conditions that might entitle a claimant to collect LTD benefits include:
- Spinal cord injuries (SCIs)
- Paralysis
- Heart disease
- Traumatic brain injuries (TBIs)
- Chronic pain or complex regional pain syndrome (CRPS)
- Post-traumatic stress disorder (PTSD)
- Depression
- Bipolar mood disorder
- Lupus or Lyme disease
- Psoriatic arthritis or fibromyalgia
- Back injuries
- And possible more
Generally, in order to qualify for LTD benefits, eligible claimants must have already exhausted the other benefits available to them, including short-term disability and employment insurance (EI). Furthermore, claimants should be able to provide evidence along with their applications, proving the severity of their medical condition and its preventative impacts on their abilities to complete the duties of their jobs, as well as their need for ongoing medical treatment, and an official diagnosis from their primary care provider (and possibly other medical experts).
Unfortunately, it is not always easy for eligible policyholders with qualifying medical conditions to access the LTD benefits they should be rightfully owed. Indeed, even after submitting the supplementary medical evidence required to prove the incapacitating nature of their acquired injuries or illnesses, policyholders are frequently denied the insurance coverage they undoubtedly require.
LTD benefits can provide between 60-70% of a recipient’s regular wages (usually up to a predetermined salary cap). For people who– through no fault of their own– are unable to continue earning their regular income, these monthly payments can make the difference between financial stability and distress. And yet, insurance providers routinely make it incredibly difficult to access the necessary coverage to which they should be entitled.
If your claim for LTD benefits has been denied, our Richmond Hill Long-Term disability lawyers may be able to help you appeal your insurance provider’s unfair decision. By doing so, our Long-Term disability lawyers serving Richmond Hill may be able to help you recover the payments that have been previously withheld, as well as other damages resulting from your claim’s initial denial (including legal fees). To learn whether you may be able to overturn your insurance company’s unfair determination, call 1-800-JUSTICE and take advantage of a free initial consultation with our Richmond Hill Long-Term disability lawyers.
Speak To Our Long-Term Disability Lawyers Serving Richmond Hill
In order to remove financial barriers to accessing our services, our Richmond Hill Long-Term disability lawyers provide a free initial consultation to all prospective clients. At Preszler Injury Lawyers, our Long-Term disability lawyers serving Richmond Hill are committed to helping members of the local community in their pursuits of fair treatment and proper compensation.
To discuss your case with our Richmond Hill Long-Term disability lawyers and learn if you might be eligible to appeal your claim’s denial, contact Preszler Injury Lawyers online or call 1-800-JUSTICE.
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We are proud to be one of Canada’s oldest and long-standing personal injury law firms. Since 1959, we have been providing exceptional legal services and have established ourselves as leading personal injury lawyers in the Canadian legal community. It’s not just the awards that recognize our achievements, but also the wins we’ve achieved for thousands of Canadians with their long-term disability claims.
Case Results
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Please note that past results are not indicative of future results as each scenario presents itself with its unique set of circumstances. But here are some long-term disability related wins we’ve had for our clients.
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long-term disability FAQs
Here are some commonly asked questions for long-term disability claims
How long will it take to settle my case?
The duration of a long-term disability case can vary depending on a number of factors, including the reasons provided for the claim’s denial, the policyholder’s standing with their insurance provider, the complexity of the claimant’s case, the willingness of the insurance company to negotiate, Court availability, and other considerations. Generally speaking, it can take between 1-3 years for a fair resolution to be reached.
How much will I pay in lawyers’ fees?
Our long-term disability lawyers work on a contingency fee basis. That means we only get paid if the case is won, and our fees are based on a percentage of the compensation awarded. You will not be required to pay any upfront fees out-of-pocket in order to pursue legal action.
How long do I have to sue?
The statute of limitations for a long-term disability lawsuit in Ontario is generally two years from the date of the denial of benefits or the last payment of benefits. However, depending on the circumstances of the case, the lawsuit could be subject to additional time limitations. It is crucial to speak with a long-term disability lawyer as soon as possible, so as to not jeopardize your chances of recovering the compensation you deserve.
Do I have a strong case?
The answer to this question depends on the facts of your individual case. Our Ontario long-term disability lawyers should be able to evaluate the terms of your policy, review the evidence available to you, and consult with medical experts to assess the strength of your claim.
How much compensation will I get?
It is almost impossible to predict the specific amount of compensation you might be entitled to, however after reviewing the details of your case, our Ontario long-term disability lawyers may be able to provide you with an estimate that you could reasonably expect to be offered. The decision to accept settlement offers is yours and yours alone.
Do you represent insurance companies?
No, our long-term disability lawyers are solely committed to protecting the rights of policyholders who have been unfairly treated by insurance providers.
Will the insurance company continue to pay my disability benefits after we settle the case?
The answer to this question depends on the terms of your individual settlement. In most cases, the settlement will include a lump sum payment for past and future benefits. After agreeing to these terms and accepting this settlement offer, future benefits will no longer be paid. However, in some scenarios, insurance companies may only offer to settle for past benefits owing and might agree to continue paying benefits after the case is settled until the terms of the policy are reached.
Should I speak to the adjuster on my file after my benefits have been terminated?
It is not recommended that you speak to the adjuster on your file after your benefits have been terminated. Anything you say could be used against you. That is why it is best to consult with our long-term disability lawyers before communicating with your insurance company.
Got more questions?
If you have more questions or need legal help regarding long-term disability claims, contact our legal team for help.
We’re happy to help.
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