Etobicoke Long Term Disability Lawyer
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Being severely injured or developing a chronic health condition could drastically affect your overall quality of life. Carrying out the basic duties of your job might become impossible. Affording exorbitant costs of medical care on top of your regular costs of living could feel like an insurmountable challenge. Worrying about how you will be able to continue supporting yourself and your family might cause you to suffer sleepless nights and legitimate financial anxieties.
Even with robust support systems, confronting the challenges of living with a disability can be one of life’s greatest difficulties. Those who can no longer work as a result of the medical condition they have developed often have very few options available.
However, if your insurance policy includes coverage for Long-Term disability (LTD) benefits, if you have developed a debilitating physical or mental illness or have been seriously injured and can no longer perform the tasks associated with your occupation because of your newly acquired condition, you might qualify for crucial funding. LTD coverage might be included in your insurance employer’s group insurance policy, or might be available to you through a private insurance plan for which you pay independently. LTD benefits typically provide recipients with between 60-70% of their regular earnings, monthly payments that can go a long way to re-establishing a disabled policyholder’s sense of financial stability.
In order to apply for LTD benefits, disabled workers whose insurance plans include adequate coverage should be able to prove that they have received an official diagnosis for their disabling medical condition, that they have been undergoing prolonged medical treatment for this condition, and that the condition makes it impossible for them to continue working in their current occupational field. To do so, claimants may be required to submit supplementary medical evidence to their insurer as part of their applications. Examples of evidence that might help eligible policyholders substantiate their claims 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)
- And more
Unfortunately, for a number of different reasons, insurance providers may decide to deny an applicant’s claim for LTD benefits. Even if a claimant provides compelling, thorough medical evidence proving the legitimacy and severity of their medical conditions and their impacts on their ability to continue working, insurers may determine that they are not, in fact, eligible to collect LTD benefits.
Receiving a denied claim for LTD benefits can be more than disheartening. For people with limited financial options struggling to cope with seemingly impossible circumstances, being denied access to their one source of financial security can be truly devastating.
Our Long-Term disability lawyers serving Etobicoke believe that eligible claimants with an appropriate level of insurance coverage should be able to receive the coverage they deserve without being subjected to unfair treatment. Certain insurance providers may feel emboldened to give eligible claimants the run-around because they know that the process of formally appealing an unfair decision can seem like an overwhelming, complicated, and expensive task.
However, with assistance from our Etobicoke Long-Term disability lawyers, policyholders who have been mistreated by their insurer may be able to recover the coverage they are rightfully owed. By working with our Long-Term disability lawyers serving Etobicoke, eligible claimants might be able to recover compensation for:
- Previously denied benefits
- Legal fees
- Damages resulting from the claim’s initial denial
- Punitive damages
- And possible more
To discuss your case with our Etobicoke Long-Term disability lawyers, schedule a free initial consultation by calling 1-800-JUSTICE today.
Book Your Free Initial Consultation With Preszler Injury Lawyers
Receive personalized legal advice from our Long-Term disability lawyers serving Etobicoke by taking advantage of a free initial consultation. There is no fee to receive this initial feedback on your case.
Our Etobicoke Long-Term disability lawyers have experience helping mistreated insurance policyholders recover the income replacement payments they are rightfully owed. To review the details of your case and learn how we may be able to provide you with assistance, 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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