Bowmanville Long Term Disability Lawyer
Find out if you have a case today.
Contact our Bowmanville long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
Table of Contents
The road to recovery is often full of uncertainty. People who have developed medical conditions that prevent them from working often experience tremendous anxieties. If someone cannot perform the duties of their job because of a debilitating injury, physical illness, or mental disorder, they may not know how they will be able to continue supporting themselves or providing for their families.
People living with a disability are often faced with difficult decisions. When their disability makes it impossible for them to continue working in their occupational field, they might not be able to afford both their regular costs of living and newly acquired expenses related to their disabling medical condition. All of this financial precarity can exacerbate serious mental health conditions often developed by injured or ill patients, such as depression and anxiety. A person’s physical, mental, and financial well-being can all be totally undermined, through absolutely no fault of their own.
That said, certain people may have access to Long-Term disability (LTD) benefits through their employer’s group insurance plan or through a policy that they themselves pay for privately. Severely injured or ill policyholders who cannot return to work because of their newly acquired medical conditions may be able to file a claim for LTD benefits if their insurance plan includes an appropriate level of coverage.
LTD benefits typically provide recipients with between 60-70% of their regular wages. Depending on the terms of individual insurance policies, this payment amount might be subject to certain funding caps. Unsalaried, hourly employees whose insurance coverage includes LTD benefits might receive a payment assessment based on their average regular earnings, rather than the highest amount they might make in a week. But, despite the fact that available payments will most certainly not cover their total, regular earnings, LTD benefits can be crucial sources of income for disabled Bowmanville residents.
Unfortunately, for a number of different reasons, insurance companies may see it fit to deny an applicant’s claim for LTD benefits, even when they supply thorough proof illustrating the preventative effect their medical condition has on their ability to carry out the tasks associated with their jobs. Insurance providers often deny claims for LTD benefits because:
- Insufficient supporting medical evidence was included in the application
- Claim was filed late, past requisite deadlines
- There no objective evidence of disability (often the case with “invisible” injuries or illnesses)
- The medical condition does not meet the insurance policy’s definition of “disability”
- The policy includes contractual stipulations (often excluding pre-existing conditions) that disqualify a claimant’s application
- The claimant refused to undergo an independent medical examination (IME)
- And more
If your claim for LTD benefits was denied even though your medical condition makes it impossible for you to continue working, our Bowmanville Long-Term disability lawyers may be able to help you fight your insurer’s unfair decision. To learn more about courses of legal action that might be available to you, schedule a free initial consultation with our Long-Term disability lawyer serving Bowmanville today.
Call 1-800-JUSTICE To Speak With Our Bowmanville Long-Term Disability Lawyers
When you take advantage of your free initial consultation with our Long-Term disability lawyers serving Bowmanville, you will have the opportunity to discuss the impact your condition has on your ability to perform your job, ask questions about why your claim was denied, and review options you may be able to undertake in order to get the payments you deserve.
To review your case with our Bowmanville Long-Term disability lawyers and receive personalized, case-specific advice, call 1-800-JUSTICE to contact Preszler Injury Lawyers today.
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.
More long-term disability Topics
Here’s more information on long-term disability related topics that we think you might find helpful.

long-term disability
|
March 12, 2024
Navigating Long-Term Disability and Long COVID in Ontario
Though the days of lockdowns, vaccine passports and physical distancing seem to be mostly behind us, the risk of contracting COVID-19 is still great. At…

long-term disability
|
January 23, 2024
Caring for the Injured: When Family and Friends Provide Support
Unfortunately, victims of personal injuries are often unable to care for themselves, to complete housekeeping tasks or to do chores around the house the way…

long-term disability
|
December 28, 2023
Managing Winter Stress: Mental Health and Long Term Disability In Ontario
As the chill of winter settles over Ontario, it brings with it a unique set of challenges that can significantly impact mental health. The combination…
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.
INJURED IN AN ACCIDENT IN Bowmanville?
Book a FREE Consultation
With Our Legal Team Today
Our phone lines are available 24/7
During your free consultation you will find out if you have a case worth pursuing as well as answers to any legal questions you may have.