Brockville Long Term Disability Lawyer
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Table of Contents
Many people living with a disability rely on support from their insurance provider in order to make ends meet. When faced with disabling medical conditions, including severe injuries, physical illnesses, or mental health disorders, many people find it impossible to carry out the tasks of their jobs as a result of their medical condition. Unable to perform their work-related duties through no fault of their own, people who can no longer earn their regular wages might be able to find some degree of financial relief through their insurance policy’s Long-Term disability (LTD) benefits.
If your insurance plan includes disability coverage, you might be eligible to collect LTD benefits if you have acquired a medical condition that prevents you from completing the tasks associated with your current occupation. LTD benefits do not replace a disabled employee’s entire salary. Instead, they supply recipients with between 60-70% of their normal earnings in monthly payment installments. For those struggling to support themselves and their families after being diagnosed with a disabling medical condition, LTD benefits may be the only stable source of income available to them.
Unfortunately, many insurance companies find reasons to deny claims for LTD benefits submitted by policyholders whose medical conditions legitimately prevent them from doing their jobs. Additionally, even people who have received LTD benefits could have their payments terminated by their insurance providers prematurely for reasons that can seem arbitrary and unfair. Often, insurance companies might cease making payments to qualified recipients of LTD benefits because:
- The policy’s definition of disability changed after 2 years of providing LTD payments
- The policy has time limitations for certain conditions
- The policyholder did not continue receiving medical treatment
- Surveillance investigations conducted by insurance companies found the policyholder engaging in questionable activities
- Videos, photos, and other social media posts shared by the policyholder are misconstrued or taken out of context by insurance companies
- And more
If your claim for LTD benefits was turned down even though your medical condition makes it impossible for you to continue working, our Long-Term disability lawyers serving Brockville may be able to help you appeal your insurance company’s unfair denial. Furthermore, if your monthly payments were terminated even though your medical condition still makes it impossible for you to return to work, our Brockville Long-Term disability lawyers may be able to provide you with critical legal assistance and advice.
By working with our Long-Term disability lawyers serving Brockville, unfairly treated policyholders may be able to take on their insurance providers to recover compensation for:
- Previously withheld or denied benefits
- Legal fees
- Damages incurred because of claim denials
- Punitive damages
- And possibly more
To learn more about how our Brockville Long-Term disability lawyers might be able to help your case, contact Preszler Injury Lawyers today.
Book A Free Initial Consultation With Our Long-Term Disability Lawyers Serving Brockville
Our Brockville Long-Term disability lawyers are well-versed in the unfair tactics often used by insurance companies to withhold funds from deserving policyholders. To review the details of your case and receive legal advice tailored to your specific situation, take advantage of your free initial consultation with Preszler Injury Lawyers by calling 1-800-JUSTICE.
Do you live in Brockville? 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.
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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 BROCKVILLE?
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