Toronto Cardiovascular Conditions Lawyer
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Cardiovascular conditions come in many forms, from high blood pressure to congestive heart failure. Some allow you to return to work after your recovery, such as after a minor heart attack, while others may keep you out of work indefinitely, like chronic obstructive pulmonary disease (COPD) or a severe stroke. They may be related to other conditions like diabetes and may contribute to the development other various disabilities.
If you suffer from a serious cardiovascular condition, your medical care might include complex treatments, surgery, and lifestyle changes. Any one of these things may make it impossible to continue working, and when it does, you are entitled to recover your Long-Term disability (LTD) benefits.
An experienced lawyer can help disabled individuals file a cardiovascular condition Long-Term disability claim in and around Toronto. A Toronto cardiovascular conditions long term disability claims lawyer can build a solid case that proves that you meet the criteria to qualify for LTD benefits.
Building A Claim
When you apply for disability benefits, you will first receive short-term disability benefits. Once those expire after a couple of months, you can apply for a Toronto cardiovascular condition Long-Term disability claim.
To get LTD benefits, you first need to prove the existence of your condition. You may have a diagnosis from your doctor, but you need to continue with treatment and follow-up exams to ensure you are trying to get better. The insurance company wants to see a documented medical history that shows you are seeking treatment. Medical experts can also testify regarding your condition and its effects on your health.
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Preventing Employment
You must also prove that the symptoms you experience because of your cardiovascular condition prevent you from working in your current profession.
Cardiovascular conditions may keep you from performing strenuous activity that may place stress on your heart and the rest of your cardiovascular system. In some cases, poor cardiovascular health may increase the risk of amputation, especially in diabetic patients, which can keep you from working.
Along with your doctor’s notes on your symptoms and impairments, your employer can be a source of important evidence. An employer can provide a description of your job duties or a record of the time you had to miss from work due to your cardiovascular condition.
To continue your Long-Term disability benefits after two years, you must prove that your disability not only prevents you from working in your current profession, but any profession. The insurer will reevaluate your condition and its limitations. This may mean providing further evidence about your condition and the limitations it places upon you to prove you are unable to work.
Along with those mentioned, a cardiovascular conditions long term disability claims attorney in Toronto can gather evidence from:
- Medical experts
- Vocational experts
- Your personal journal
- Diagnostic tests
Challenging The Claim
It is not in the insurance company’s interests to approve your Toronto cardiovascular condition LTD claim and pay you Long-Term disability benefits indefinitely. All insurance companies will review your case and evaluate your condition and ability to work. Some insurers might attempt to fight your claim so they can reduce the benefits they pay you or deny our claim altogether.
Some of the most common challenges to cardiovascular claims are:
- Your condition is not disabling enough to keep you from working (in your current profession and, after two years, in any profession.)
- Your condition could improve with better treatment
Fighting back when facing these challenges means providing evidence to support your case. A lawyer will deal with the insurance company directly to address any reasons they might provide to deny your cardiovascular condition Long-Term disability claim in Toronto. In some cases, this means getting additional evidence to address their concerns.
A cardiovascular condition long term disability claims lawyer in Ontario might seek second opinions from other doctors to show you are following the standard course of treatment, yet not improving and thus still unable to work.
Contacting A Lawyer
There are many ways a Long-Term disability claim can go wrong, but you can take action to present a solid case that establishes that your cardiovascular condition prevents you from working.
It is imperative that you contact a lawyer and find out what they can do for you. A Toronto cardiovascular conditions long term disability claims lawyer will provide legal help and guidance for all aspects of your Toronto cardiovascular condition Long-Term disability claim, from the initial filing to appealing a denied claim.
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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
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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
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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
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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.
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