Belleville Long Term Disability Lawyer
Find out if you have a case today.
Contact our Belleville long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
Book a FREE Consultation
Tell us what happened
We’re here to help.
Table of Contents
People pay monthly premiums for insurance plans so that, should the unimaginable happen, they will be able to access the benefits they need to help them through difficult times. Since either they or their employers make regular contributions to the insurance company that sponsors their plan, policyholders expect fair treatment and easy access to their benefits should they need to claim them.
Policyholders with an adequate level of insurance coverage may be able to claim Long-Term disability (LTD) benefitsshould they be diagnosed with a disabling physical or mental condition that makes it impossible for them to continue working. LTD benefits are intended to be income replacement payments for people who, through no fault of their own, can no longer perform the duties of their job because of severe injuries, chronic physical illnesses, or debilitating mental health disorders.
LTD benefits generally replace between 60-70% of a recipient’s regular earnings. Even though insurance companies do not provide eligible benefits recipients with compensation for their entire salaries, these regular monthly payments can be crucial sources of income for those who can no longer carry out the tasks of their occupation. In fact, for many workers with medical conditions that keep them from earning their normal wages, LTD benefits may be the only source of regular income available.
In order to apply for LTD benefits, eligible insurance policyholders whose plans include an appropriate level of coverage may be required to submit medical evidence to their insurance provider along with their application. This evidence should be able to prove that the applicant has been receiving ongoing treatment for this disabling condition and that its symptoms make it impossible for them to perform the duties of their jobs. Types of evidence a claimant may be required to submit include:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- A detailed description of job duties
- A statement from plan sponsor (i.e. employer)
- Other documentation
That said, even after supplying compelling, accurate medical evidence proving the severity of their condition and the adverse impact it has on their ability to return to work, policyholders who have applied for disability benefits often have their claims denied. And while denied applicants should have the ability to appeal their insurance provider’s initial determination, standing up to a large insurance company without assistance and while already suffering the debilitating symptoms of a disabling medical condition can seem like an impossible task.
People living with a disability often find themselves in precarious financial circumstances, especially when their insurance providers decide to deny their claims for LTD benefits. At Preszler Injury Lawyers, our Belleville Long-Term disability lawyers believe that no one should be forced to suffer the anxieties and financial uncertainties caused by an unfairly denied LTD benefits claim.
If your claim for LTD benefits was denied, contact us online or call 1-800-JUSTICE to speak with our Long-Term disability lawyers serving Belleville about your case during a free initial consultation.
Book Your Free Initial Consultation With Our Belleville Long-Term Disability Lawyers
By taking advantage of a free initial consultation with our Long-Term disability lawyers serving Belleville, you will have the opportunity to review the terms of your policy, ask questions about why your claim was denied, and receive personalized, case-specific feedback about legal options that might be available to you.
If you are eligible to pursue legal action, our Belleville Long-Term disability lawyers may be able to help you fight your insurer’s unfair decision so that you can recover the compensation you are rightfully owed. To learn more about how Preszler Injury Lawyers may be able to help with your case, call 1-800-JUSTICE today and schedule your cost-free, no-obligation first meeting with our Long-Term disability lawyers serving Belleville.
Do you live in Belleville? 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.
More long-term disability Topics
Here’s more information on long-term disability related topics that we think you might find helpful.
long-term disability
|
March 12, 2024
Navigating Long-Term Disability and Long COVID in Ontario
Though the days of lockdowns, vaccine passports and physical distancing seem to be mostly behind us, the risk of contracting COVID-19 is still great. At…
long-term disability
|
January 23, 2024
Caring for the Injured: When Family and Friends Provide Support
Unfortunately, victims of personal injuries are often unable to care for themselves, to complete housekeeping tasks or to do chores around the house the way…
long-term disability
|
December 28, 2023
Managing Winter Stress: Mental Health and Long Term Disability In Ontario
As the chill of winter settles over Ontario, it brings with it a unique set of challenges that can significantly impact mental health. The combination…
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 BELLEVILLE?
Call Our LTD Lawyers for FREE Now
We take on insurance companies for you
Learn how we can challenge your denial or termination and help you secure the benefits you’re entitled to.