Orillia Long Term Disability Lawyer
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If you have been severely injured in an accident or have developed a chronic physical or mental illness, depending on your level of insurance coverage, you might be able to access Long-Term disability (LTD) benefits if your condition makes it impossible for you to continue working. LTD benefits provide between 60-70% of a recipient’s regular income to help them through this challenging moment in their lives.
Unfortunately, even if you provide your insurance company with sufficient medical evidence proving the severity of your medical condition and the preventative impact it has on your ability to complete the duties of your job, it might be hard to get the benefits you are rightfully owed. That is because insurance companies frequently look for reasons to deny the LTD benefits claims of even eligible policyholders in good standing.
In order to apply for LTD benefits, eligible insurance policyholders with a sufficient level of coverage must be able to prove that:
- They have received a diagnosis for a disabling medical condition
- They have received ongoing medical treatment for this condition
- Their condition requires them to continue seeking medical treatment
- Their medical condition makes it impossible for them to perform the specific duties of their job
- And possibly more
To do so, they are generally required to supply their insurance companies with thorough, compelling medical evidence proving that their medical condition makes it impossible for them to complete the tasks required of their job. Some evidence they might be required to supply includes:
- 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
But even after providing their insurer with a robust, exhaustive portfolio of objective medical evidence substantiating their claims, insurance companies might still deny the applicant’s claim for LTD benefits. For people living with a disability struggling to support themselves and their families, receiving a denied claim for LTD benefits can be more than disheartening; it can create legitimate financial anxieties. Unable to return to work and unable to make ends meet, denied LTD benefits claimants could find themselves in disastrous financial circumstances.
Even though all policyholders whose claims for LTD benefits have been denied should have the opportunity to appeal their insurer’s decision, standing up to a large, monolithic insurance company can seem like a daunting task. Without proper assistance, standing up for your rights and the payments you deserve can feel like an insurmountable challenge, especially while coping with a disabling medical condition.
If your claim for LTD benefits was denied even though your medical condition should entitle you to receive them, our Orillia Long-Term disability lawyers may be able to provide you with crucial legal assistance. By working with our Long-Term disability lawyers serving Orillia, you may be able to recover compensation for:
- Benefits payments that have been previously withheld
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
To learn about legal options for financial recovery that might be available to you, contact us online or schedule a free initial consultation with our Orillia Long-Term disability lawyers by calling 1-800-JUSTICE.
Don’t Hesitate – Call Our Long-Term Disability Lawyers Serving Orillia Today
There is no fee to take advantage of an initial, no-obligation consultation with our Orillia Long-Term disability lawyers. On top of that, if you are eligible to pursue legal action, you will not be required to pay for our services unless we win your case.
To take advantage of your free initial consultation with our Long-Term disability lawyers serving Orillia, 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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