Burlington Long Term Disability Lawyer
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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 employer’s group insurance plan, or included in a private policy paid for by individual insurance policyholders independently of their employer.
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 “invisible” injuries or illnesses.
The severity of “invisible” injuries or illnesses cannot be measured using objective medical tests or examinations. In fact, a patient’s experience of the symptoms caused by their “invisible” 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 claimant’s 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)
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia
- Arthritis
- And more
Claimants suffering from “invisible” 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. 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 claim’s 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 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
How long will it take to settle my case?
The duration of a long-term disability case can vary depending on a number of factors, including the reasons provided for the claim’s denial, the policyholder’s standing with their insurance provider, the complexity of the claimant’s case, the willingness of the insurance company to negotiate, Court availability, and other considerations. Generally speaking, it can take between 1-3 years for a fair resolution to be reached.
How much will I pay in lawyers’ fees?
Our long-term disability lawyers work on a contingency fee basis. That means we only get paid if the case is won, and our fees are based on a percentage of the compensation awarded. You will not be required to pay any upfront fees out-of-pocket in order to pursue legal action.
How long do I have to sue?
The statute of limitations for a long-term disability lawsuit in Ontario is generally two years from the date of the denial of benefits or the last payment of benefits. However, depending on the circumstances of the case, the lawsuit could be subject to additional time limitations. It is crucial to speak with a long-term disability lawyer as soon as possible, so as to not jeopardize your chances of recovering the compensation you deserve.
Do I have a strong case?
The answer to this question depends on the facts of your individual case. Our Ontario long-term disability lawyers should be able to evaluate the terms of your policy, review the evidence available to you, and consult with medical experts to assess the strength of your claim.
How much compensation will I get?
It is almost impossible to predict the specific amount of compensation you might be entitled to, however after reviewing the details of your case, our Ontario long-term disability lawyers may be able to provide you with an estimate that you could reasonably expect to be offered. The decision to accept settlement offers is yours and yours alone.
Do you represent insurance companies?
No, our long-term disability lawyers are solely committed to protecting the rights of policyholders who have been unfairly treated by insurance providers.
Will the insurance company continue to pay my disability benefits after we settle the case?
The answer to this question depends on the terms of your individual settlement. In most cases, the settlement will include a lump sum payment for past and future benefits. After agreeing to these terms and accepting this settlement offer, future benefits will no longer be paid. However, in some scenarios, insurance companies may only offer to settle for past benefits owing and might agree to continue paying benefits after the case is settled until the terms of the policy are reached.
Should I speak to the adjuster on my file after my benefits have been terminated?
It is not recommended that you speak to the adjuster on your file after your benefits have been terminated. Anything you say could be used against you. That is why it is best to consult with our long-term disability lawyers before communicating with your insurance company.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN BURLINGTON?
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