Collingwood Long-Term Disability Lawyers
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Have you been diagnosed with a chronic illness, sustained a serious injury, or developed a severe mental health condition that prevents you from completing the duties of your job? Whether you were injured in a Collingwood car accident or slipped and fell at a Collingwood mall, you might be eligible to collect long-term disability (LTD) benefits.
Collingwood residents work across many industries, including tourism, hospitality, construction, healthcare, education, and seasonal work connected to the Blue Mountain and Georgian Bay area. When a disabling condition interrupts your ability to work, LTD benefits can become one of the only reliable sources of income available, especially when you are facing new medical costs and reduced earning capacity.
Unfortunately, insurers sometimes wrongfully delay, deny, or terminate LTD claims, leaving disabled workers without the benefits they need to support themselves. At Preszler Injury Lawyers, our Collingwood long-term disability lawyers are committed to helping clients hold insurers accountable while they’re unable to work. Contact us today to learn more.
How Long-Term Disability Insurance Coverage Works
Certain people have access to LTD benefits through their employer’s group insurance plan. Others may choose to pay monthly premiums into a privately held insurance plan if their employer’s coverage does not include disability.
Long-term disability benefits generally provide recipients with between 60-70% of their normal earnings on a monthly basis. Depending on the terms and conditions of the insurance policy, the benefits payments to which they might be entitled may be subject to certain payment caps.
Although LTD benefits only provide recipients with a portion of their normal earnings, payments can be a crucial source of income for people who are living with a disability.
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Since 1959, we’ve helped thousands of Canadians get the compensation they deserve with their long-term disability claims. One of Canada’s oldest personal injury law firms, personal injury law is exclusively what we do. Book a free consultation today with our top-rated personal injury lawyers.
Our team is available 24/7 to speak with you.
Proving Disability With Medical Evidence and Ongoing Treatment
To qualify for LTD benefits, policyholders are usually required to submit substantiating medical evidence along with their LTD applications. Supplementary evidence included in applications for LTD benefits serves to illustrate that:
- The applicant has received an official diagnosis for a disabling medical condition
- The applicant has been receiving prolonged medical treatment for this condition
- The applicant’s condition requires them to undergo ongoing medical treatment
- As a direct result of their medical condition, the applicant is unable to perform the duties of their job
- And possibly more
Unfortunately, even after providing insurance companies with thorough, objective evidence of their newly acquired medical condition, benefit claimants may still be denied access to LTD benefits.
Why Collingwood Long-Term Disability Claims Get Denied
Unfortunately, even after providing insurance companies with thorough, objective proof that a newly acquired medical condition prohibits the claimant from completing the tasks associated with their occupation, benefits claimants may still be denied access to LTD benefits. Insurers frequently deny claims for LTD benefits for various reasons, most of which can be difficult to understand.
In practice, disputes may arise over how an insurer interprets medical records, how they define disability under the policy, whether they believe the condition is ongoing, or whether they argue the claimant can work in a different role. For Collingwood policyholders, these denials can be especially stressful when the household relies on seasonal income or when medical travel is required for specialist appointments in larger centres.
If your claim for LTD benefits was denied despite your medical condition, our Collingwood personal injury lawyers may be able to provide you with crucial legal assistance.
Contact a Collingwood Long-Term Disability Lawyer Today
Few experiences are more discouraging than learning that your insurance company will not provide you with the coverage you need to continue living your life when a disabling medical condition makes it impossible for you to earn your regular wages.
If your claim for benefits was denied, call our LTD lawyers serving Collingwood at 1-888-608-2111 or contact us online for a free initial consultation on your case.
During this free initial consultation, you will have the opportunity to review the details of your case and receive personalized legal advice.
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Award Winning Personal Injury Law Firm
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
long-term disability Settlements
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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Download Our "Long-Term Disability Appeals" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
In this ebook, you’ll learn:
- The difference between an internal appeal and a lawsuit
- How the LTD appeals process typically works in Ontario
- What evidence you can gather to strengthen your appeal
- How to respond to insurance company requests and other tactics they might use
- What deadlines may apply to your appeal
- The benefits of working with an LTD lawyer when you need to appeal your denied claim
- And more
Download Our "I’m Approaching Change of Definition" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
This ebook will help you:
- Understand what “change of definition” means when it comes to LTD policies
- Learn when this shift typically occurs and how it might affect your eligibility
- Know what evidence you can collect to support your continued claim
- Identify warning signs that a denial or termination might be coming
- Explore your legal options when your insurer cuts off your benefits
- Discover how a long-term disability lawyer can advocate for your rights
- And more
Download Our "Denied Long-Term Disability Benefits" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
In this ebook, you’ll learn:
- Common reasons why long-term disability claims are denied in Ontario
- What to do immediately after receiving an LTD denial
- The difference between appealing a denial and filing a lawsuit against your insurer
- How to gather strong medical and occupational evidence to support your claim
- What deadlines apply to LTD claim disputes
- How our long-term disability lawyers can help you build a strong case
- What compensation you may be entitled to
- And more
Download Our "Applying for Long-Term Disability Benefits" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
In this ebook, you can read about:
- Who qualifies for LTD benefits in Ontario
- How to effectively complete your LTD application package
- What medical and employment documentation you need to collect
- How insurance companies evaluate LTD claims
- Tips to avoid common errors that may lead to delays or denials
- What to do if your claim is denied
- How our long-term disability lawyers can support your application
- And more
More long-term disability Video Resources
We also have some videos on the topic of long-term disability claims
long-term disability FAQs
Here are some commonly asked questions for long-term disability claims
Can I appeal a CPP Disability denial?
Yes, CPP denials can be appealed through the Social Security Tribunal, which reviews applications and medical evidence.
What if my doctor doesn’t support my disability claim?
You may seek a second opinion from another qualified physician to provide additional evidence.
Can the insurance company cut off my benefits without notice?
Insurers may stop benefits if they believe you no longer meet the disability definition, but they must provide reasons.
Will my employer know about my disability claim?
Employers usually only know that you’re receiving LTD benefits, not the details of your medical condition.
What happens if I’m approved for CPP Disability benefits?
Your LTD insurer may deduct CPP benefits from your LTD payments. Approval for CPP Disability may strengthen your LTD case.
Can I work part-time while receiving long-term disability benefits?
Sometimes, policies allow partial benefits if you can work reduced hours. The rules depend on your policy language.
Can my LTD benefits be taxed?
Taxation depends on whether your premiums were paid with pre-tax or after-tax income. If your employer paid the premiums, your benefits may be taxable.
What if my employer terminates me while on disability?
Employment termination doesn’t automatically cancel your LTD benefits. Your coverage may continue as long as you were covered when you became disabled.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN COLLINGWOOD?
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