Peterborough Long Term Disability Lawyer
Find out if you have a case today.
Contact our Peterborough long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
Book a FREE Consultation
Tell us what happened
We’re here to help.
Table of Contents
If your insurance plan includes disability coverage and you have acquired a medical condition that prevents you from completing the tasks associated with your current occupation, you might be eligible to collect Long-Term disability (LTD) benefits. For those struggling to support themselves and their families after being diagnosed with a disabling medical condition, LTD benefits may be the only stable source of income available to them.
LTD benefits do not replace a disabled employee’s entire salary. Instead, they supply recipients with between 60-70% of their normal earnings in monthly payment installments. Many people living with a disability rely on support from their insurance provider in order to make ends meet. When faced with disabling medical conditions, including severe injuries, physical illnesses, or mental health disorders, many people find it impossible to carry out the tasks of their jobs as a result of their medical condition.
Unable to perform their work-related duties through no fault of their own, people who can no longer earn their regular wages might be able to find some degree of financial relief through their insurance policy’s LTD benefits. Unfortunately, many insurance companies find reasons to deny claims for LTD benefits submitted by policyholders whose medical conditions legitimately prevent them from doing their jobs.
Furthermore, even people who have received LTD benefits could have their payments terminated by their insurance providers prematurely for reasons that can seem arbitrary and unfair. Often, insurance companies might cease making payments to qualified recipients of LTD benefits because:
- The policy’s definition of disability changed after 2 years of providing LTD payments
- The policy has time limitations for certain conditions
- The policyholder did not continue receiving medical treatment
- Surveillance investigations conducted by insurance companies found the policyholder engaging in questionable activities
- Videos, photos, and other social media posts shared by the policyholder are misconstrued or taken out of context by insurance companies
- And more
If your claim for LTD benefits was turned down even though your medical condition makes it impossible for you to continue working, our Long-Term disability lawyers serving Peterborough may be able to help you appeal your insurance company’s unfair denial. Furthermore, if your monthly payments were terminated even though your medical condition still makes it impossible for you to return to work, our Peterborough Long-Term disability lawyers may be able to provide you with critical legal assistance and advice.
To learn more about how our Peterborough Long-Term disability lawyers might be able to help your case, contact Preszler Injury Lawyers today.
Book A Free Initial Consultation With Our Long-Term Disability Lawyers Serving Peterborough
Our Peterborough Long-Term disability lawyers are well-versed in the unfair tactics often used by insurance companies to withhold funds from deserving policyholders. By working with our Long-Term disability lawyers serving Peterborough, unfairly treated policyholders may be able to take on their insurance providers to recover compensation for:
- Previously withheld or denied benefits
- Legal fees
- Damages incurred because of claim denials
- Punitive damages
- And possibly more
To review the details of your case and receive legal advice tailored to your specific situation, take advantage of your free initial consultation with Preszler Injury Lawyers by calling 1-800-JUSTICE.
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…
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.
INJURED IN AN ACCIDENT IN Peterborough?
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.