Burlington Long Term Disability Lawyer
Find out if you have a case today.
Contact our Burlington long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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No one can plan for the worst case scenario. Even the most cautious, health-conscience, or emotionally grounded member of the community can be catastrophically injured in an accident, diagnosed with a chronic illness, or develop a severe mental health concern. If these newly acquired medical conditions make it impossible for them to continue working, how can disabled individuals continue supporting themselves?
If their injury, physical illness, or mental health disorder makes it impossible for them to carry out the tasks of their jobs, people with sufficient insurance coverage might be able to access Long-Term disability (LTD) benefits. LTD benefits might be available as part of an employerโs group insurance plan, or included in a private policy paid for by individual insurance policyholders independently of their employer.ย
Although LTD benefits should be readily available to insurance policyholders with the appropriate level of coverage who cannot continue working because of the disabling medical conditions they have developed or sustained, unfortunately, LTD benefits can be hard to get. In fact, certain claims for LTD benefits are met with an exceptional level of undue suspicion, or outright disbelief. This is almost always the case for policyholders attempting to recover LTD benefits for so-called โinvisibleโ injuries or illnesses.
The severity of โinvisibleโ injuries or illnesses cannot be measured using objective medical tests or examinations. In fact, a patientโs experience of the symptoms caused by their โinvisibleโ injury or illness will be entirely subjective. A patient might be in extraordinary pain or discomfort, but since their symptoms do not manifest in objective, observable ways, insurance companies might attest that there is not enough evidence to prove that the claimantโs condition prohibits them from working. An insurance provider might even cast doubt on whether a claimant is experiencing their injury or illness at all.
Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:
- Depression
- Anxiety
- Chronic pain or complex regional pain syndrome (CRPS)ย
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia ย
- Arthritis
- And more
Claimants suffering from โinvisibleโ injuries or illnesses are not the only insurance policyholders whose claims for LTD benefits are denied. Insurance providers often find reasons to withhold payments from eligible claimants.
For people living with a disability, the day-to-day reality of coping with their debilitating medical condition can be stressful, demoralizing, and frightening, especially if they are no longer able to continue working at their jobs. Unable to earn their regular incomes as a result of circumstances completely out of their control, people with disabling medical conditions might struggle to afford their necessary costs of living in addition to expenses essential to their medical care.
Our Burlington Long-Term disability lawyers appreciate how discouraging and anxiety-inducing it can be to receive a denied claim for LTD benefits.ย If your insurance provider denied your claim for LTD benefits even though your medical condition should entitle you to receive them, do not hesitate. Book a free initial consultation with our Burlington Long-Term disability lawyers today by contacting us today.
Speak With Our Long-Term Disability Lawyers Serving Burlington
During a free initial consultation with our Long-Term disability lawyers serving Burlington, you will have the opportunity to review the circumstances of your case and learn about options that might be available to you. If you are eligible, by working with our Burlington Long-Term disability lawyers, you might be able to recover your previously denied benefits payments, damages you have incurred because of your claimโs initial denial, and possibly more.
To take advantage of your free initial consultation with our Long-Term disability lawyers serving Burlington, call 1-800-JUSTICE.
Do you live in Burlington? 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
What happens if my employer terminates my employment while on disability?
Even if your job ends, your LTD coverage usually continues as long as the policy remains in effect. Employers cannot simply terminate coverage because you’re receiving LTD benefits.
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.
Do I need to apply for CPP Disability if I have private LTD?
Many policies require you to apply for CPP Disability. Any CPP payments usually reduce what your insurer pays.
What happens if my condition improves?
If your condition improves, the insurer may review your claim. They could reduce or stop benefits if you’re able to return to work.
How long do LTD benefits last in Canada?
LTD benefits may last a fixed period or until age 65, depending on your policy.
Can I work part-time while receiving LTD benefits?
Some policies allow part-time work, but the insurer may reduce your payments based on your income. Always check your policy before accepting any part-time role.
What if my condition worsens after my claim is approved?
If your disability worsens, you may qualify for increased benefits or extensions. Updated medical records and assessments help support these changes.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN BURLINGTON?
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