Toronto Long-Term Disability Lawyer
Nobody anticipates sustaining a severe injury, developing a chronic illness, or being diagnosed with a mental health disorder. But throughout the city, many people find themselves unable to continue engaging in routine activities, participating in social events, or completing the duties of their jobs because of disabling medical conditions.
In these overwhelming, nerve-wracking situations, people living with a disability often face physical challenges, emotional difficulties, and financial precariousness. Unable to continue earning their regular salaries through no fault of their own, people with disabling medical conditions often struggle to afford basic costs of living.
However, provided they have sufficient insurance coverage, people who are unable to carry out the tasks of their job because of their newly acquired medical condition might be able to collect long-term disability (LTD) benefits. LTD benefits could be available through an employer’s group insurance plan or through a privately held insurance policy, provided the plan includes an appropriate level of coverage.
Most LTD plans provide recipients with between 60-70% of their regular wages. Although LTD benefits only replace a portion of a recipient’s regular earnings, they often provide injured or ill workers with much-needed financial assistance during an extraordinarily difficult time in their lives.
Although eligibility requirements for LTD benefits varies between policies, conditions that may entitle an insurance policyholder to receive them often include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
The process of collecting LTD benefits should be simple, straightforward, and hassle-free. People struggling to cope with disabling medical conditions should not be forced to endure undue aggravations or anxieties.
Unfortunately, for a number of reasons, insurance providers may decide to deny a policyholder’s claim for LTD benefits. Furthermore, even those workers who initially qualified for LTD benefits may have their income replacement payments prematurely terminated, even though their medical conditions still prevent them from doing their jobs.
If your claim for benefits was denied and the payments you should be entitled to were withheld, our long-term disability lawyers serving Toronto may be able to help. Our Toronto long-term disability lawyers have a history of standing up to unfair insurers and fighting on behalf of the clients we represent.
Beginning a legal battle against an insurance company may seem like an impossible task. However, if successful, our Toronto long-term disability lawyers may be able to help you recover compensation for:
- Previously denied benefits payments
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
To schedule a free initial consultation with our long-term disability lawyers serving Toronto, contact us today.
Call Our Toronto Long-Term Disability Lawyers Today
Receiving a denied claim for LTD benefits can be more than demoralizing. For those with extremely limited options, the inability to collect disability may make their situation feel hopeless. However, by working with our long-term disability serving Toronto, unfairly treated policyholders may be able to fight their insurance provider’s decision to withhold the benefits they are rightfully owed.
To receive personalized legal advice and learn how our long-term disability lawyers serving Toronto may be able to assist you, take advantage of your free initial consultation by calling 1-800-JUSTICE today.