Belleville Long Term Disability Lawyer
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People pay monthly premiums for insurance plans so that, should the unimaginable happen, they will be able to access the benefits they need to help them through difficult times. Since either they or their employers make regular contributions to the insurance company that sponsors their plan, policyholders expect fair treatment and easy access to their benefits should they need to claim them.
Policyholders with an adequate level of insurance coverage may be able to claim Long-Term disability (LTD) benefitsshould they be diagnosed with a disabling physical or mental condition that makes it impossible for them to continue working. LTD benefits are intended to be income replacement payments for people who, through no fault of their own, can no longer perform the duties of their job because of severe injuries, chronic physical illnesses, or debilitating mental health disorders.
LTD benefits generally replace between 60-70% of a recipient’s regular earnings. Even though insurance companies do not provide eligible benefits recipients with compensation for their entire salaries, these regular monthly payments can be crucial sources of income for those who can no longer carry out the tasks of their occupation. In fact, for many workers with medical conditions that keep them from earning their normal wages, LTD benefits may be the only source of regular income available.
In order to apply for LTD benefits, eligible insurance policyholders whose plans include an appropriate level of coverage may be required to submit medical evidence to their insurance provider along with their application. This evidence should be able to prove that the applicant has been receiving ongoing treatment for this disabling condition and that its symptoms make it impossible for them to perform the duties of their jobs. Types of evidence a claimant may be required to submit include:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- A detailed description of job duties
- A statement from plan sponsor (i.e. employer)
- Other documentation
That said, even after supplying compelling, accurate medical evidence proving the severity of their condition and the adverse impact it has on their ability to return to work, policyholders who have applied for disability benefits often have their claims denied. And while denied applicants should have the ability to appeal their insurance provider’s initial determination, standing up to a large insurance company without assistance and while already suffering the debilitating symptoms of a disabling medical condition can seem like an impossible task.
People living with a disability often find themselves in precarious financial circumstances, especially when their insurance providers decide to deny their claims for LTD benefits. At Preszler Injury Lawyers, our Belleville Long-Term disability lawyers believe that no one should be forced to suffer the anxieties and financial uncertainties caused by an unfairly denied LTD benefits claim.
If your claim for LTD benefits was denied, contact us online or call 1-800-JUSTICE to speak with our Long-Term disability lawyers serving Belleville about your case during a free initial consultation.
Book Your Free Initial Consultation With Our Belleville Long-Term Disability Lawyers
By taking advantage of a free initial consultation with our Long-Term disability lawyers serving Belleville, you will have the opportunity to review the terms of your policy, ask questions about why your claim was denied, and receive personalized, case-specific feedback about legal options that might be available to you.
If you are eligible to pursue legal action, our Belleville Long-Term disability lawyers may be able to help you fight your insurer’s unfair decision so that you can recover the compensation you are rightfully owed. To learn more about how Preszler Injury Lawyers may be able to help with your case, call 1-800-JUSTICE today and schedule your cost-free, no-obligation first meeting with our Long-Term disability lawyers serving Belleville.
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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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