Kitchener Long Term Disability Lawyer
Find out if you have a case today.
Contact our Kitchener long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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Life can be unpredictable. No one imagines that, one day, they might need to rely on their insurance provider to help them through a tumultuous and challenging chapter of their lives. But even the most cautious, health-conscious, stable person can have their lives suddenly turned upside down by a severe injury or a disabling physical or mental illness.
People who have received a diagnosis for a serious, debilitating medical issue often find it impossible to continue going about their day-to-day activities. As a result of their condition, they may no longer be able to continue carrying out the duties of their jobs. And when this happens, through no fault of their own, people suffering from disabling medical conditions could face monumental physical, emotional, and financial difficulties.
Insurance policies exist for this very reason. Certain people have access to insurance coverage through their employer’s group plan; others might pay monthly premiums privately to a policy they have purchased independently of their employer. If their insurance policy provides coverage for Long-Term disability (LTD) benefits, people who have been waylaid by an unexpected illness or injury might be able to access crucial financial support.
If an insurance policyholder’s newly acquired medical condition makes it impossible for them to carry out the tasks associated with their job, provided their insurance plan includes an adequate level of coverage, they might be entitled to apply for LTD benefits. These monthly income replacement payments do not reflect the entirety of a recipient’s regular earnings. Instead, LTD benefits provide recipients with between 60-70% of their normal income. Certain policies might also impose payment caps on the amount of benefits qualified policyholders are entitled to receive, which might limit the amount of their monthly benefits payments even further.
That said, for people who cannot continue earning their regular salaries or hourly wages because of circumstances outside of their control, LTD benefits are often a crucial source of stable income. In fact, for many eligible claimants, LTD benefits might be the only source of regular income available to help them make ends meet during a frightening and uncertain time.
The eligibility requirements for LTD benefits differ between insurance policies. Even policies sponsored by the same insurance provider might have different definitions of disability or other variable terms and conditions. That is why, before submitting an application for LTD benefits to your insurance company, it is prudent to review the details of your plan and make sure your medical condition entitles you to receive them. Certain medical conditions that might entitle a policyholder to receive LTD benefits include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis
- Fibromyalgia
- Paralysis
- Depression
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
Unfortunately, even though eligible claimants might have compelling medical evidence proving that they suffer from a severe medical condition for which they have been receiving ongoing treatment, insurers might find reasons to deny their claims for LTD benefits. For people living with a disability who cannot work because of their medical conditions, being denied LTD benefits can be more than perplexing; it can be disheartening, upsetting, and legitimately frightening.
If your claim for LTD benefits was denied even though you should be entitled to receive them, our Long-Term disability lawyers serving Kitchener may be able to help you pursue legal action to overturn your insurance provider’s unfair decision and recover the payments you are rightfully owed. To learn more, contact us today and schedule a free initial consultation on your case.
Book Your Free Initial Consultation With Our Kitchener Long-Term Disability Lawyers
Our Long-Term disability lawyers serving Kitchener are familiar with the unfair tactics often used by insurance providers to withhold crucial funding from policyholders who, by all accounts, should be entitled to receive them. We fight on behalf of our clients’ best interests and have a history of helping mistreated members of the local community recover the payments they deserve.
To learn more about how our Kitchener Long-Term disability lawyers may be able to assist you, call Preszler Injury Lawyers today at 1-800-JUSTICE and take advantage of your free initial consultation.
Do you live in Kitchener? Here’s how we can help:
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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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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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