Aurora Long Term Disability Lawyer

A serious illness, injury, or mental health condition can make it impossible to keep working, even in a growing community like Aurora. Whether you commute to downtown Toronto on the Barrie GO line, work in local retail along Yonge Street, or hold a professional role elsewhere in York Region, being unable to work can create financial and emotional strain for you and your family.

Many workers rely on long-term disability (LTD) coverage through a group plan or private policy to replace some of their income while they recover. When an insurance company denies, delays, or cuts off these benefits, the consequences can be devastating.

Our Aurora long-term disability lawyers help local residents challenge unfair LTD decisions. We can explain your rights under your policy, review denial letters, and pursue legal options to seek the benefits you are owed. Consultations are free, and there are no upfront legal fees. Contact us today to find out if we may be able to help you.

How Does LTD Insurance Work in Aurora and Ontario?

Many people choose to purchase private insurance policies that provide coverage for Long-Term disability (LTD) benefits. Others may have access to LTD benefits through their employer’s group insurance plan. In case they are unable to continue working because of a disabling medical condition, they might be eligible to collect monthly income replacement payments.

LTD benefits typically provide recipients with between 60-70% of their normal income when a chronic illness, physical injury, or severe mental health issue makes it impossible for them to carry out the tasks associated with their jobs.

That said, certain insurance policies might also impose payment caps on the amount of benefits qualified policyholders are entitled to receive. Depending on the policyholder’s salary, the amount of benefits payment to which they may be entitled could be significantly lower than 60-70% of their usual wages.

However, even though LTD benefits only provide recipients with a portion of their normal earnings, they can be a vital source of income when a medical condition makes it impossible to continue performing the duties of their jobs. Many disabled insurance policyholders rely on LTD benefits to continue supporting themselves and their families.

To qualify for LTD benefits, policyholders must first exhaust all other benefits available to them, including short-term disability benefits and Employment Insurance (EI) sickness benefits. Claimants are usually also required to provide their insurer with medical evidence proving that:

• They have received an official diagnosis for a disabling medical condition
• They have been receiving prolonged, ongoing medical treatment for this condition
• As a direct result of their medical condition, the claimant is unable to perform the duties of their job
• And possibly more

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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.

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Conditions That May Qualify For LTD Benefits in Aurora, Ontario

LTD policies generally do not focus on a specific diagnosis. Instead, they look at whether your medical condition prevents you from performing the essential duties of your job, and later, any job for which you are reasonably suited. Many types of conditions can meet this standard, including:

• Chronic pain and debilitating musculoskeletal problems
• Serious back, neck, or joint injuries from accidents or degeneration
• Cardiac or respiratory conditions that limit exertion and stamina
• Autoimmune diseases that cause fatigue, pain, or unpredictable flare-ups
• Neurological conditions, including some forms of epilepsy or MS
• Mental health conditions such as major depression, anxiety disorders, bipolar disorder, and PTSD
• And more

Even if your symptoms fluctuate, they may still prevent you from performing consistent full-time work. Our Aurora long-term disability lawyers can review your medical history, job duties, and policy wording to help determine whether you appear to meet the applicable definition of disability.

If your condition stems from an accident, such as a car crash or a slip and fall in Aurora, we can also coordinate with our Aurora car accident lawyers and Aurora slip and fall lawyers so that your LTD claim aligns with any personal injury claim you may have.

Why Long-Term Disability Benefits Are Denied Or Terminated

Insurance companies often deny LTD claims for reasons that are confusing or feel unfair. Common explanations include saying that you do not meet the “own occupation” or “any occupation” definition of disability, suggesting that medical evidence is insufficient, relying on surveillance or one-time assessments to question your limitations, or alleging non-compliance with treatment.

Many policies shift after about two years from an “own occupation” definition of disability to an “any occupation” standard. Around this “change of definition” point, insurers frequently reassess claims and may attempt to terminate your benefits.

If you live in Aurora and have received an LTD denial or termination letter, you do not have to accept the insurer’s first decision. A consultation with our LTD lawyers at Preszler Injury Lawyers can help you understand whether you may be able to appeal internally, start a lawsuit, or negotiate a fair settlement.

Learn more about applying for LTD benefits and appealing unfair decisions in our free ebooks, Applying for Long-Term Disability Benefits and Denied Long-Term Disability Benefits.

Steps To Take After An LTD Denial In Aurora

After receiving a denial or termination letter, it is important to act quickly and strategically. You should:

• Read the insurer’s decision carefully and note deadlines.
• Continue medical care and follow reasonable treatment recommendations.
• Request a copy of your claim file from the insurer.
• Gather medical records, employer correspondence, and notes about your limitations.

Before deciding whether to file an internal appeal or start a lawsuit, consider speaking with a lawyer. Our Aurora personal injury lawyers can review your file, explain the pros and cons of different options, and discuss limitation periods that may apply.

How Our Aurora Long-Term Disability Lawyers Can Help LTD Claimants

When you contact Preszler Injury Lawyers about an LTD denial, delay, or termination in Aurora, we can:

• Review your policy wording, application, and denial letter
• Explain the differences between internal appeals and lawsuits
• Work with your healthcare providers to strengthen your medical evidence
• Coordinate vocational or functional assessments where appropriate
• Navigate important limitation periods and notice deadlines

If your LTD denial stems from a serious accident in Aurora, such as a crash on Highway 404 or a fall at a local business, we can coordinate your LTD case with any Aurora car accident claim or slip and fall claim you may have.

We offer completely free, no-obligation consultations for all injured clients in Aurora and throughout Ontario. At Preszler Injury Lawyers, our legal team works on a contingency fee basis, meaning you won’t pay any upfront fees to retain our services unless we successfully recover compensation for you.

Contact Our Aurora Long-Term Disability Lawyers Today for a Free Consultation

If your long-term disability benefits were denied or cut off and you live in Aurora or York Region, you do not have to face the insurance company alone. To learn how an Aurora long-term disability lawyer may be able to help, call 1-888-608-2111 or contact us online today.

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