Collingwood Long Term Disability Lawyer
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Have you been diagnosed with a chronic illness, sustained a serious injury, or developed a severe mental health condition that prevents you from completing the duties of your job? If so, depending on your level of insurance coverage, you might be eligible to collect Long-Term disability (LTD) benefits.
Certain people have access to LTD benefits through their employer’s group insurance plan. Others may choose to pay monthly premiums into a privately held insurance plan if their employer’s coverage does not include disability.
The monthly LTD benefits payments available to eligible policyholders do not cover the total amount of wages lost by disabled employees as a result of their inability to perform the duties of their jobs. ILTD benefits generally provide recipients with between 60-70% of their normal earnings. Depending on the terms and conditions of the insurance policy, the benefits payments to which they might be entitled could even be subject to certain payment caps.
However, although LTD benefits only provide recipients with a portion of their normal earnings, these payments can be crucial sources of income for people who are living with a disability. Unable to collect the wages to which they have become accustomed and faced with newly acquired costs to cope with their medical conditions, disabled insurance policyholders often come to rely on the funding available to them through their insurance providers in order to continue supporting themselves and their families.
In order to qualify for LTD benefits, policyholders whose plans include adequate levels of coverage are usually required to submit substantiating medical evidence along with their applications. The supplementary evidence included in applications for LTD benefits should help illustrate that:
- The applicant has received an official diagnosis for a disabling medical condition
- The applicant has been receiving prolonged medical treatment for this condition
- The applicant’s condition requires them to undergo ongoing medical treatment
- As a direct result of their medical condition, the applicant is unable to perform the duties of their job
- And possibly more
Unfortunately, even after providing insurance companies with thorough, objective proof that their newly acquired medical condition prohibits them from completing the tasks associated with their occupations, benefits claimants may still be denied access to LTD benefits. Insurers frequently deny claims for LTD benefits for various reasons, most of which can be difficult to understand.
If your claim for LTD benefits was denied even though your medical condition should entitle you to receive them, our Collingwood Long-Term disability lawyers may be able to provide you with crucial legal assistance. By working with our Long-Term disability lawyers serving Collingwood, you may be able to recover compensation for:
- Benefits payments that have been previously withheld
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
To learn about legal options for financial recovery that might be available to you, schedule a free initial consultation with our Collingwood Long-Term disability lawyers by calling 1-800-JUSTICE.
Contact Preszler Injury Lawyers Today
Few experiences are more discouraging and anxiety-inducing than learning that your insurance company will not provide you with the coverage you need to continue living your life when a disabling medical condition makes it impossible for you to earn your regular wages. If your claim for benefits was denied, call our Long-Term disability lawyers serving Collingwood for a free initial consultation on your case.
During this free initial consultation, you will have the opportunity to review the details of your case and receive personalized legal advice. To take advantage of your free initial consultation with our Long-Term disability lawyers serving Collingwood, contact Preszler Injury Lawyers today.
Do you live in Collingwood? Here’s how we can help:
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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.
Got more questions?
If you have more questions or need legal help regarding long-term disability claims, contact our legal team for help.
We’re happy to help.
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