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Preszler Injury Lawyers

Markham Long-Term Disability Lawyer


If you have been severely injured or have developed a disabling physical or mental illness that makes it impossible for you to perform the duties of your job, you might be experiencing legitimate financial anxieties. For people living with a disability, being unable to continue working in their chosen occupational field can be stressful, demoralizing, and frightening. Without access to the same level of income to which you had become accustomed, affording your regular costs of living in addition to expenses related to your newly acquired medical condition can feel like an insurmountable challenge.

Depending on your level of insurance coverage, if the symptoms of your medical condition prevent you from carrying out the duties of your job, you might be eligible for long-term disability (LTD) benefits. Your employer’s group insurance plan might include coverage for LTD benefits, or they might be available as part of an insurance policy you pay for privately.

LTD benefits typically provide recipients with between 60-70% of their regular earnings, however, based on the terms and conditions of your individual policy, the monthly income replacement payments available to you might be subject to certain caps. That said, during a prolonged and difficult battle with a severe injury or illness, LTD benefits can provide a stable source of income and genuine sense of security.

The process of applying for LTD benefits is not always simple or straightforward. In fact, many claimants face an exceptional degree of scrutiny from their insurance providers, and even outright disbelief. Unfortunately, this is often the case for policyholders trying to recover LTD benefits for so-called “invisible” injuries or illnesses.

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If you have any questions and would like to schedule a call with our legal team for a FREE no-obligation consultation, contact us now. During this call you can ask any questions as it relates to your accident and/or claim and we'll discuss your options and possible outcomes.

Regardless of where you're located in Ontario – we may be able to help you. Don't delay - call us. Our lines are open 24/7.

Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:

  • Depression
  • Anxiety
  • Chronic pain or complex regional pain syndrome (CRPS)
  • Post-traumatic stress disorder (PTSD)
  • Fibromyalgia
  • Arthritis
  • And more

Along with their claims for LTD benefits, applicants are generally required to include a thorough roster of evidence proving that they have been diagnosed with a debilitating medical condition, that they have been receiving prolonged and ongoing treatment for it, and that their ability to complete their jobs has been jeopardized because of their condition’s symptoms. However, since “invisible” injuries do not manifest themselves with symptoms that can be objectively measured or observed, claimants seeking LTD benefits to cope with them might need to go to great lengths to secure the payments to which they should be entitled.

Claimants suffering from “invisible” injuries or illnesses are not the only insurance policyholders whose claims for LTD benefits are denied. Insurance providers often turn down claims and withhold payments for a number of reasons, including:

  • Insufficient supporting medical evidence was included in the application
  • Claim was filed late, past requisite deadlines
  • 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 insurance provider denied your claim for LTD benefits even though your medical condition should entitle you to receive them, do not hesitate. Book a free initial consultation with our Markham long-term disability lawyers today by calling 1-800-JUSTICE.

Speak with Our Long-Term Disability Lawyers Serving Markham

Our Markham long-term disability lawyers appreciate how overwhelming and discouraging it can be to receive a denied claim for LTD benefits. During a free initial consultation with our long-term disability lawyers serving Markham, you will have the opportunity to review the circumstances of your case and learn about options that might be available to you. If you are eligible, by working with our Markham long-term disability lawyers, you might be able to recover your previously denied benefits payments, damages you have incurred because of your claim’s initial denial, and possibly more.

To schedule your free initial consultation with our long-term disability lawyers serving Markham, contact Preszler Injury Lawyers.

 

Areas We Serve

Practice Areas

Call us now at
1-800-JUSTICE
®

151 Eglinton Ave W,
Toronto, ON
M4R 1A6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
4145 N Service Rd
Burlington, ON
L7L 4X6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
2 County Ct Blvd #400,
Brampton, ON
L6W 3W8
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
105 Consumers Drive
Whitby, ON
L1N 1C4
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
92 Caplan Ave #121,
Barrie, ON
L4N 0Z7
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
380 Wellington St Tower B, 6th Floor,
London, ON
N6A 5B5
Toll Free: 1-888-608-2111
2233 Argentia Rd Suite 302,
East Tower Mississauga, ON
L5N 6A6
Toll Free: 1-888-608-2111
1 Hunter St E,
Hamilton, ON
L8N 3W1
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
459 George St N,
Peterborough, ON
K9H 3R9
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
352 Elgin Street,
Ottawa ON
K2P 1M8
Toll Free: 1-888-608-2111
10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
Toll Free: 1-888-608-2111
*consultation offices

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