Ottawa Long Term Disability Lawyer
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If you have been diagnosed with a medical condition that makes it impossible for you to perform the duties of your job, provided you have the appropriate level of insurance coverage, you might be eligible for Long-Term disability (LTD) benefits. LTD benefits might be included in your employer’s group insurance plan, or might be part of a private insurance policy you pay for on your own.
Not only can living with a disability present physical and emotional challenges, but it can also cause financial instability. Without stable work and the same level of income to which people have become accustomed, affording both the necessary costs of medical care and regular costs of living can seem like an impossible task.
However, insurance policyholders with sufficient coverage might be able to find a degree of financial security and stability through monthly income replacement payments from their insurance provider. For people who cannot continue working because of a disabling medical condition, LTD benefits can become a crucial source of income. Indeed, LTD benefits might be the only source of support available to people struggling through extraordinary circumstances.
Different insurance policies have different eligibility requirements for policyholders who wish to apply for LTD benefits. Examples of prolonged, potentially debilitating medical conditions that might qualify a policyholder to receive LTD benefits include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis
- Fibromyalgia
- Paralysis
- Depression
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
In order to apply for LTD benefits, eligible insurance policyholders with sufficient coverage must be able to provide their insurer with thorough, substantive medical evidence illustrating the severity of their medical condition and its preventative impact on their ability to complete the duties of their jobs. Unfortunately, even after providing thorough, compelling medical evidence proving that their medical condition makes it impossible to continue working at their jobs, policyholders who should qualify for LTD benefits might have their claims denied by their insurer.
Receiving a denied claim for LTD benefits can be more than disheartening. For people who are already struggling to get by and are legitimately unable to work, receiving a denied LTD benefits claim can lead to legitimate financial anxieties. Unable to return to work and unable to make ends meet, denied LTD benefits claimants could find themselves in disastrous financial circumstances.
If your claim for LTD benefits was denied even though your medical condition should entitle you to receive them, our Ottawa Long-Term disability lawyers may be able to provide you with crucial legal assistance. By working with our Long-Term disability lawyers serving Ottawa, you may be able to recover compensation for:
- Benefits payments that have been previously withheld
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
Learn more about how our Ottawa Long-Term disability lawyers may be able to help you stand up for your rights and recover the payments you deserve by scheduling a free initial consultation with Preszler Injury Lawyers.
Call 1-800-JUSTICE For Your Free Initial Consultation
Our Long-Term disability lawyers serving Ottawa have extensive experience dealing with insurance companies and are well versed in the tactics they often employ to withhold funds from deserving policyholders. By taking advantage of a free initial consultation with our Ottawa Long-Term disability lawyers, you will have the opportunity to review the details of your case and receive personalized legal advice about options for financial recovery that might be available to you.
To schedule your free initial consultation with Preszler Injury Lawyers, call 1-800-JUSTICE today.
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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
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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