Bowmanville Long Term Disability Lawyer
Find out if you have a case today.
Contact our Bowmanville long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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The road to recovery is often full of uncertainty. People who have developed medical conditions that prevent them from working often experience tremendous anxieties. If someone cannot perform the duties of their job because of a debilitating injury, physical illness, or mental disorder, they may not know how they will be able to continue supporting themselves or providing for their families.
People living with a disability are often faced with difficult decisions. When their disability makes it impossible for them to continue working in their occupational field, they might not be able to afford both their regular costs of living and newly acquired expenses related to their disabling medical condition. All of this financial precarity can exacerbate serious mental health conditions often developed by injured or ill patients, such as depression and anxiety. A personโs physical, mental, and financial well-being can all be totally undermined, through absolutely no fault of their own.
That said, certain people may have access to Long-Term disability (LTD) benefits through their employerโs group insurance plan or through a policy that they themselves pay for privately. Severely injured or ill policyholders who cannot return to work because of their newly acquired medical conditions may be able to file a claim for LTD benefits if their insurance plan includes an appropriate level of coverage.
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. But, despite the fact that available payments will most certainly not cover their total, regular earnings, LTD benefits can be crucial sources of income for disabled Bowmanville residents.
Unfortunately, for a number of different reasons, insurance companies may see it fit to deny an applicantโs claim for LTD benefits, even when they supply thorough proof illustrating the preventative effect their medical condition has on their ability to carry out the tasks associated with their jobs. Insurance providers often deny claims for LTD benefits because:
- Insufficient supporting medical evidence was included in the application
- Claim was filed late, past requisite deadlines
- There no objective evidence of disability (often the case with โinvisibleโ injuries or illnesses)
- The medical condition does not meet the insurance policyโs definition of โdisabilityโ
- The policy includes contractual stipulations (often excluding pre-existing conditions) that disqualify a claimantโs 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 Bowmanville Long-Term disability lawyers may be able to help you fight your insurerโs 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 Bowmanville today.
Call 1-800-JUSTICE To Speak With Our Bowmanville Long-Term Disability Lawyers
When you take advantage of your free initial consultation with our Long-Term disability lawyers serving Bowmanville, 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.
To review your case with our Bowmanville Long-Term disability lawyers and receive personalized, case-specific advice, call 1-800-JUSTICE to contact Preszler Injury Lawyers today.
Do you live in Bowmanville? Here’s how we can help:
Proudly Canadian
Award Winning Personal Injury Law Firm
We are proud to be one of Canadaโs 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. Itโs not just the awards that recognize our achievements, but also the wins weโve 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 weโve 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
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 BOWMANVILLE?
Call Our LTD Lawyers for FREE Now
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Learn how we can challenge your denial or termination and help you secure the benefits you’re entitled to.