Courtice Long Term Disability Lawyer
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No one plans to be seriously injured or to develop a disabling physical or mental illness. Unfortunately for some, circumstances outside of their control might prohibit them from engaging in the activities they once enjoyed or performing the tasks associated with their chosen profession.
People who are living with a disability experience a wide range of challenges. These daily struggles can be physical, emotional, and economic in nature. Many people who have sustained a disabling medical condition find it impossible to continue working because of their debilitating injuries or illnesses. And those who can no longer earn their regular wages might find themselves struggling to remain financially solvent.
However, some people’s employers offer group insurance plans that include coverage for Long-Term disability (LTD) benefits. Others may be able to access LTD benefits through a privately-held insurance policy for which they make monthly payments independently. Insurance policyholders with an appropriate level of coverage might be able to access LTD benefits if they cannot continue working due to their disabling medical conditions.
Eligibility requirements for LTD benefits differ between policies. However, some common conditions that might qualify an appropriately insured individual to receive monthly LTD benefits payments often include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis or fibromyalgia
- Paralysis
- Depression
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
LTD benefits do not provide coverage for a disabled worker’s entire regular salary. Instead, they offer between 60-70% of their normal earnings when a severe medical condition makes it impossible for them to continue working. These benefits are not accessible to policyholders until after they have exhausted all other available benefits payments, including short-term disability benefits and Employment Insurance (EI) sickness benefits.
Sadly, even after using up all other benefits available to them and providing thorough, compelling medical evidence proving the severity of their medical conditions and their preventative impacts on their ability to carry out the daily tasks required of their positions, insurance providers can still find reasons to deny an eligible policyholder’s claim for LTD benefits. Additionally, even after being initially awarded LTD benefits, insurance companies can decide to prematurely terminate a recipient’s payments, even if their disabling medical condition persists.
If your claim for LTD benefits was turned down in spite of the fact that your injury or illness makes it impossible for you to work, our Courtice Long-Term disability lawyers may be able to help you overturn your insurer’s unfair decision. Furthermore, if your disability payments were terminated early, our Long-Term disability lawyers serving Courtice may be able to provide you with crucial legal assistance and advice.
By working with our Courtice Long-Term disability lawyers, unfairly treated insurance policyholders may be able to recover compensation for:
- Previously denied benefits payments
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
To learn more about how our Long-Term disability lawyers serving Courtice may be able to assist you, call 1-800-JUSTICE today to schedule a free initial consultation with Preszler Injury Lawyers.
Speak With Our Courtice Long-Term Disability Lawyers Today
At Preszler Injury Lawyers, all prospective clients receive a free initial consultation on their cases, during which they will have the opportunity to go over the circumstances of their situation and receive personalized legal advice tailored to the details of their case.
Standing up to a large, intimidating insurance company might seem like an impossible task, but with the help of our Long-Term disability lawyers serving Courtice, you might be able to recover the compensation you are rightfully owed. To learn more, contact us today and take advantage of your free initial consultation.
Do you live in Courtice? 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 COURTICE?
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Learn how we can challenge your denial or termination and help you secure the benefits you’re entitled to.