Cambridge Long Term Disability Lawyer
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Contact our Cambridge long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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If you were severely injured and cannot perform the duties of your job as a result, or if you have developed a disabling physical or mental illness that makes it impossible for you to continue working in your current position, your financial situation might very well seem hopeless. Through no fault of your own, your ability to go on earning your regular income could be curtailed by frightening circumstances that are entirely out of your control.
However, if your employer’s group insurance plan or a policy that you pay for independently includes coverage for Long-Term disability (LTD) benefits, you might be able to access essential financial support. LTD benefits are intended to provide eligible insurance policyholders with income replacement payments when they are unable to carry out the tasks of their job because of the disabling medical conditions they have sustained.
Unfortunately, many insurance companies find reasons to deny eligible policyholders’ claims for LTD benefits, even though their medical condition makes it impossible for them to return to the duties of their jobs. When this happens, people living with a disability may feel as though they have run out of options.
People who have been denied LTD benefits should have the opportunity to appeal their insurance company’s determination. But without proper legal assistance, standing up to a large, intimidating insurance provider can feel like an impossible task.
By working with a Cambridge Long-Term disability lawyer, eligible claimants whose applications for LTD benefits have been turned down may be able to recover the compensation they are duly owed. Our Long-Term disability lawyers serving Cambridge have experience fighting against the unfair tactics frequently used by insurance companies to withhold LTD benefit payments from eligible policyholders.
If your claim for LTD benefits was unfairly denied, our Cambridge Long-Term disability lawyers may be able to help you recover benefits payments that were previously withheld from you, damages you might have incurred as a result of your claim’s initial denial, the cost of legal fees associated with our services, and in certain cases, punitive damages. To learn if you might be entitled to pursue legal action against your insurance provider to recover the compensation you are owed, schedule a free initial consultation with Preszler Injury Lawyers by calling 1-800-JUSTICE.
Contact A Cambridge Long-Term Disability Lawyer Today
No one can anticipate sustaining a severe injury, developing a chronic illness, or being diagnosed with a disabling mental health condition. However, certain people pay for insurance coverage so that, if the worst case scenario should arise, they can rest easy knowing their insurance provider will support them in their time of greatest need.
At Preszler Injury Lawyers, we believe insurance companies should pay their policyholders what they are fairly owed. We provide a free initial consultation to all prospective clients. That means, even if you are unsure of whether you might be eligible to take action against your insurer’s unfair decision, our Long-Term disability lawyers serving Cambridge will discuss your situation with you and provide case-specific, personalized advice at no cost.
To learn more about how our Cambridge Long-Term disability lawyers might be able to provide you with assistance, contact Preszler Injury Lawyers today.
Do you live in Cambridge? 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 CAMBRIDGE?
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Learn how we can challenge your denial or termination and help you secure the benefits you’re entitled to.