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Contact our Toronto long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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Individuals purchase Long-Term disability insurance, either privately or through their employer, just in case they should ever get into an accident that leaves them unable to work and earn an income. Like with other insurance policies, policyholders pay a certain amount every month to keep their policy valid and active. Some never have to use the insurance, but others are not so lucky.
And to make matters worse, when the unfortunate happens and it is time to claim those benefits, insurance companies often do not want to pay. When this is the case, it is important that those injured or ill speak to a Toronto Long-Term disability lawyer to discuss recovering compensation and the steps an our Toronto Long-Term disability lawyers can take to help you.
Common Issues With Long-Term Disability Claims
Insurance companies are in the business of making money and giving that money back to their investors, not actually paying out benefits to their policyholders.
As a Toronto Long-Term disability lawyer can tell their client, when insurance companies create their policies, they are often filled with complicated language that is vague, elusive, and difficult to understand. This is done purposely, as insurance companies can use this to their advantage, rejecting even legitimate claims for just about any reason they choose. Often, policyholders have to take the insurance company at their word, simply because they themselves do not understand the policy terms.
When insurance companies do pay out benefits, they may use this same confusing language to lead policyholders to believe they are not entitled to as many benefits as they thought. This can lead to reduced or partial payments, which may not be enough to cover the expenses of the disabled person.
In other cases, the insurance company may say they are willing to pay, but the benefits are severely delayed — sometimes by months. This can also seriously affect the disabled person, as they are left with little to no resources during that time.
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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.
How A Toronto Long-Term Disability Lawyer Might Be Able To Help
Sadly, many people may hinder their Long-Term disability case before it has even really started, and this can occur in a number of ways. One of the most common is when insurance companies tell a policyholder that they must take a medical exam with one of the insurance company’s independent doctors or medical experts.
These health professionals are not always as independent or unbiased as they may seem, and they can severely hurt a disability case by reporting that the individual is not quite as injured or sick as they are saying.
This stall tactic is just one reason why it is so important that individuals contact a Long-Term disability lawyer in Toronto. A lawyer can help break down insurance policies, and they can also help deal with the insurance companies so that individuals receive the full benefits they are entitled to. A lawyer can also help individuals who have been denied benefits, making sure that they have their benefits reinstated.
If you or a loved one has suffered a Long-Term disability, do not wait another minute to contact a Toronto Long-Term disability lawyer who knows how to deal with insurance companies and how to get you the benefits you deserve. Contact Preszler Injury Lawyers today.
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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
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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