Bancroft Long Term Disability Lawyer
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No one expects to develop a severe, prolonged medical condition. No one can truly plan for the unexpected. Receiving a diagnosis for severe injuries or chronic physical and/or mental illnesses is always a shock for which no one is prepared. However, with the right level of insurance coverage, certain people may be in more secure positions to live with their newly acquired disability.
Some businesses provide their employees with a group insurance plan covering Long-Term disability (LTD) benefits. Those who are unable to access insurance through their employer may choose to purchase their own private insurance policy in order to prepare for the worst case scenario.
LTD benefits are designed to help disabled insurance policyholders when their medical conditions prevent them from completing the tasks associated with their jobs. These income replacement payments generally replace between 60-70% of a recipient’s normal wages.
In order to apply for LTD benefits, qualified applicants are often required to submit supplementary medical evidence along with their applications. The accompanying evidence may be useful in proving that the severity of a claimant’s symptoms make it impossible for them to perform the work expected of them in their current positions. The evidence should substantiate an applicant’s claim that they cannot carry out the duties of their job because of the severity of their medical condition.
Examples of evidence that might prove useful when submitting an application for LTD benefits include:
- Medical records
- Results of medical examinations
- Statements from your attending physicians
- A detailed description of your job duties
- A statement from your plan sponsor (i.e. your employer)
- Other documentation proving that your medical condition prevents you from performing the duties of your job
Unfortunately, even after submitting thorough evidence proving the severity of your medical condition and its impact on your ability to perform the duties of your job, your insurance provider may decide to deny your claim. In fact, insurance companies can deny disability claims for a number of reasons, all of which can be frustrating to try and comprehend.
It can be difficult to ascertain exactly what percentage of LTD claims are routinely denied across the country. However, by examining the number of disability claims denied each year by the Canada Pension Plan (CPP), it can be determined that more than half of all LTD claims are initially denied by insurance companies.
If you are unable to work because of a severe, disabling medical condition and the LTD benefits payments you are rightfully owed have been withheld from you by your insurance provider, our Long-Term disability lawyers serving Bancroft may be able to help.
By working with our Bancroft Long-Term disability lawyers, you may be able to fight your insurer’s unfair decision and 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
Call Our Bancroft Long-Term Disability Lawyers For A Free Initial Consultation
Our Long-Term disability lawyers appreciate just how frightening and upsetting it can be to receive a denied claim for LTD benefits after receiving a diagnosis for a severe medical condition. At Preszler Injury Lawyers, we do our best to remove financial barriers to accessing our important legal services. You should not be forced to endure injustice because you feel you cannot afford to take action.
That is why our Bancroft Long-Term disability lawyers offer all prospective clients a free initial consultation. There is no fee to take advantage of this personalized first meeting with our Long-Term disability lawyers serving Bancroft. On top of that, Preszler Injury Lawyers work on a contingency-fee basis. That means you do not pay us a cent unless we win your case.
To learn more about how our Bancroft Long-Term disability lawyers may be able to assist you, contact us today online or call 1-800-JUSTICE.
Do you live in Bancroft? Here’s how we can help:
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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
Can I appeal a CPP Disability denial?
Yes, CPP denials can be appealed through the Social Security Tribunal, which reviews applications and medical evidence.
What if my doctor doesn’t support my disability claim?
You may seek a second opinion from another qualified physician to provide additional evidence.
Can the insurance company cut off my benefits without notice?
Insurers may stop benefits if they believe you no longer meet the disability definition, but they must provide reasons.
Will my employer know about my disability claim?
Employers usually only know that you’re receiving LTD benefits, not the details of your medical condition.
What happens if I’m approved for CPP Disability benefits?
Your LTD insurer may deduct CPP benefits from your LTD payments. Approval for CPP Disability may strengthen your LTD case.
Can I work part-time while receiving long-term disability benefits?
Sometimes, policies allow partial benefits if you can work reduced hours. The rules depend on your policy language.
Can my LTD benefits be taxed?
Taxation depends on whether your premiums were paid with pre-tax or after-tax income. If your employer paid the premiums, your benefits may be taxable.
What if my employer terminates me while on disability?
Employment termination doesn’t automatically cancel your LTD benefits. Your coverage may continue as long as you were covered when you became disabled.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN BANCROFT?
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