Sault Ste. Marie Long Term Disability Lawyer
Find out if you have a case today.
Contact our Sault Ste. Marie long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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Certain people have access to Long-Term disability (LTD) benefits through their employer’s group insurance plan or through a policy that they themselves pay for privately. Not all insurance policies cover LTD benefits; however, those who are adequately insured may be able to access these monthly income replacement payments if they have developed a disabling medical condition that prevents them from completing the tasks associated with their jobs.
LTD benefits typically provide recipients with between 60-70% of their regular wages. Depending on the terms of individual insurance policies, this payment amount might be subject to certain funding caps. Unsalaried, hourly employees whose insurance coverage includes LTD benefits might receive a payment assessment based on their average regular earnings, rather than the highest amount they might make in a week.
While the monthly payments available to LTD benefits recipients will most certainly not cover their total regular earnings, disability benefits can be a lifesaver. Many disabled residents of Sault Ste. Marie rely on LTD benefits payments to continue supporting themselves and their loved ones. Indeed, when unable to continue working and earning the wages to which they had become accustomed, LTD benefits can be a vital source of income.
Unfortunately, for a number of different reasons, insurance companies may see it fit to deny an applicant’s claim for LTD benefits. Insurance providers could even withhold payments after receiving thorough proof from claimants that illustrates the preventative effect their medical condition has on their ability to carry out the tasks associated with their jobs.
Insurance providers often find ways to justify denying claims for LTD benefits. Some common reasons given to denied applicants include:
- Insufficient supporting medical evidence was included in the application
- The claim was filed late, past the requisite deadlines
- There is no objective evidence of disability (often the case with “invisible” injuries or illnesses)
- 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 claim for LTD benefits was denied even though your medical condition makes it impossible for you to continue working, our Sault Ste. Marie Long-Term disability lawyers may be able to help you fight your insurer’s unfair decision. To learn more about courses of legal action that might be available to you, schedule a free initial consultation with our Long-Term disability lawyer serving Sault Ste. Marie today.
When you take advantage of your free initial consultation with our long-term disability lawyers serving Sault Ste. Marie, you will have the opportunity to discuss the impact your condition has on your ability to perform your job, ask questions about why your claim was denied, and review options you may be able to undertake in order to get the payments you deserve.
Call 1-800-JUSTICE To Speak With Our Sault Ste. Marie Long-Term Disability Lawyers
People living with a disability are often faced with difficult decisions. If your disability makes it impossible for you to continue working in your chosen occupational field, you might not be able to afford both your regular costs of living and the new expenses you have incurred as a result of sustaining or developing a disabling medical condition.
By working with our long-term disability lawyers serving Sault Ste. Marie, you may be able to overturn your insurer’s unfair decision. To review your case with our Sault Ste. Marie long-term disability lawyers and receive personalized, case-specific advice, call 1-800-JUSTICE to contact Preszler Injury Lawyers today.
Do you live in Sault Ste. Marie? Here’s how we can help:
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.
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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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