Pickering Long-Term Disability Lawyers

Depending on the types of coverage included in your insurance plan, if you cannot perform the duties of your job because of a physical or mental disorder, you might be entitled to collect long-term disability (LTD) benefits. LTD benefits are intended to help eligible insurance policyholders by providing them with monthly income replacement payments when a severe injury, mental disorder, or chronic illness prohibits them from working.

Pickering residents may rely on LTD benefits after working in Durham Region, commuting into Toronto, or holding positions in local offices, schools, health care settings, retail workplaces, warehouses, public services, or skilled trades. When a disability prevents you from working, the loss of income can place immediate pressure on rent or mortgage payments, treatment costs, family responsibilities, and day-to-day expenses.

You might have access to LTD benefits through your employer’s group insurance plan, or through an insurance policy you pay for independently. Unfortunately, sometimes insurers deny LTD claims wrongfully, leaving disabled individuals unable to support themselves financially.

At Preszler Injury Lawyers, our Pickering long-term disability lawyers help clients fight LTD denials, delays, and terminations to help them obtain the benefits they deserve. To find out if we may be able to help you, schedule a free consultation with our legal team today.

Evidence That May Support a Pickering LTD Claim

To be eligible for LTD benefits, you generally must have already exhausted all other insurance benefits available to you, including short-term disability benefits and Employment Insurance (EI) sickness benefits.

To submit a claim, you must include certain substantiating evidence along with your application. This evidence should be able to prove that:

• A medical professional has diagnosed you with a disabling medical condition
• You have been receiving prolonged, ongoing medical treatment for this condition
• As a direct result of the medical condition you have developed or sustained, you are unable to perform the duties of your job
• And possibly more

In order to prove the severity of your condition and the preventative effect its symptoms have on your ability to complete the tasks associated with your job, you may be required to provide your insurance company with various substantiating evidence, including:

• 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 other documentation

A Pickering long-term disability lawyer may be able to review the policy wording, correspondence from the insurer, medical records, and workplace documents to help identify what evidence may be important. Preszler Injury Lawyers also assists clients with a range of disability matters across Ontario, including through our Pickering personal injury lawyers.

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Since 1959, we’ve helped thousands of Canadians get the compensation they deserve with their long-term disability claims. One of Canada’s oldest personal injury law firms, personal injury law is exclusively what we do. Book a free consultation today with our top-rated personal injury lawyers.

Our team is available 24/7 to speak with you.

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Denied LTD Benefits and Invisible Disabilities

Unfortunately, certain conditions cannot be objectively measured by administering or analyzing medical tests, nor can their symptoms be observed by third parties. The symptoms of so-called “invisible” illnesses or injuries are experienced subjectively by each patient, who might be in extraordinary pain and distress but unable to prove the severity of their conditions with objective medical evidence.

As such, people who submit LTD benefits claims for these unobservable illnesses or injuries are often met with undue disbelief or suspicion from their insurers. Oftentimes, their claims may be dismissed outright due to a lack of substantiating evidence. Common examples of so-called invisible medical complaints that often subject a benefits claimant to additional scrutiny include:

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

Insurance providers can– and do– deny LTD benefits claims for a number of different reasons. Even policyholders whose claims include thorough, compelling medical evidence demonstrating the severity of their medical conditions can be denied the funds to which they are entitled.

If your claim for LTD benefits was unfairly denied by your insurance company, contact our Pickering long-term disability lawyers today and receive a free initial consultation.

Call Today to Speak With Our Long-Term Disability Lawyers Serving Pickering

Our Pickering long-term disability lawyers offer a free initial consultation to all prospective clients. If the benefits payments you applied for have been withheld from you for unfair reasons, our LTD team may be able to fight on your behalf to help you recover the compensation you are owed.

In addition, if your long-term disability was caused by actions of a negligent party, our Pickering car accident lawyers, Pickering slip and fall lawyers, or another member of our legal team may also help you explore your eligibility for a personal injury lawsuit.

To schedule your free initial consultation and receive personalized legal advice about options that might be available to you, call 1-888-608-2111 or contact us online and speak with our Pickering long-term disability lawyers today.

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LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN PICKERING?