Algoma Long Term Disability Lawyer
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Through no fault of their own, people living with a disability who can no longer fulfill the professional obligations of their jobs are often faced with impossible circumstances. Due to factors that are completely out of their control, these workers may become reliant on the benefits available to them through their insurance plan.
When a chronic illness, severe injury, or debilitating mental health issue makes it impossible for an insurance policyholder to return to work, provided they have adequate coverage, they should be entitled to receive the monthly payments they are rightfully owed. Without access to Long-Term disability (LTD) benefits, many people with disabling medical conditions might struggle to continue supporting themselves and their loved ones.
Unfortunately, many claimants who have access to insurance plans that offer LTD benefits are unfairly denied these potentially life-saving benefits payments. Even though they have developed a disabling physical or mental injury or illness that prevents them from completing the duties of their jobs, their claims for LTD benefits could be denied by their insurance provider.
Furthermore, even recipients of LTD benefits may have their payments terminated prematurely by their insurer. Insurance companies often decide to stop paying eligible policyholders after providing them with benefits for two years, even if their disabling medical condition has not improved and still prevents them from returning to the duties of their job.
If you have been unfairly treated by your insurance provider and the payments they rightfully owe you have been deliberately withheld, our Algoma Long-Term disability lawyers may be able to provide you with crucial legal assistance. Our Long-Term disability lawyers serving Algoma are committed to fighting on behalf of mistreated members of the local community, and do our best to help them recover the accountability and compensation they deserve.
Standing up to a large, corporate entity like an insurance company can seem like an insurmountable task. And while policyholders should be entitled to appeal their insurers’ determinations about the coverage they are entitled to, doing so without legal representation can feel intimidating. Fearing a long, complicated, and expensive legal procedure, many mistreated insurance policyholders simply walk away from the fight instead of standing up for what they are owed.
By working with our Algoma Long-Term disability lawyers, eligible clients may be able to overturn their insurance provider’s unfair decision. If you are eligible to pursue legal action against your insurance provider who unfairly denied or prematurely terminated your LTD benefits, our Long-Term disability lawyers serving Algoma may be able to help you recover damages you have incurred as a result of their unjust decision. These damages might include:
- Previously denied benefits payments
- Legal fees
- Damages incurred as a result of the claim’s denial or termination
- Punitive damages
- And possibly more
If your LTD benefits were denied, Preszler Injury Lawyers might be able to provide you with crucial legal advice and support. To learn how our Algoma Long-Term disability lawyers serving Algoma might be able to help with your case, book your free initial consultation with Preszler Injury Lawyers today.
Schedule Your Free Initial Consultation With Preszler Injury Lawyers
Our Long-Term disability lawyers serving Algoma work on a contingency-fee basis. Our fees are based on a percentage of the overall amount recovered through our legal actions. That means, you only pay for our services if we win your case.
On top of that, there is no fee associated with our prospective clients’ initial consultation with our Algoma Long-Term disability lawyers. To receive personalized, case-specific legal advice about options for financial recovery that might be available to you, take advantage of a cost-free, no-obligation first meeting with our Long-Term disability lawyers serving Algoma. Call 1-800-JUSTICE today to get started.
Do you live in Algoma? Here’s how we can help:
Proudly Canadian
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
What happens if my employer terminates my employment while on disability?
Even if your job ends, your LTD coverage usually continues as long as the policy remains in effect. Employers cannot simply terminate coverage because you’re receiving LTD benefits.
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.
Do I need to apply for CPP Disability if I have private LTD?
Many policies require you to apply for CPP Disability. Any CPP payments usually reduce what your insurer pays.
What happens if my condition improves?
If your condition improves, the insurer may review your claim. They could reduce or stop benefits if you’re able to return to work.
How long do LTD benefits last in Canada?
LTD benefits may last a fixed period or until age 65, depending on your policy.
Can I work part-time while receiving LTD benefits?
Some policies allow part-time work, but the insurer may reduce your payments based on your income. Always check your policy before accepting any part-time role.
What if my condition worsens after my claim is approved?
If your disability worsens, you may qualify for increased benefits or extensions. Updated medical records and assessments help support these changes.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN ALGOMA?
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