Guelph Long Term Disability Lawyer
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When a severe injury or illness keeps you away from work for an extended period, Long-Term disability insurance can provide much-needed money to make up for the paychecks you are not receiving. Because of Long-Term disability insurance, many injured workers in Ontario have been able to focus on recovering from their injuries without getting behind on bills, losing their homes, or doing without necessities. A Long-Term disability lawyer serving Guelph from Preszler Injury Lawyers can help you file a claim and collect benefits.
At Preszler Injury Lawyers, we are a client-first law firm, believing that honesty, transparency, communication, and exceptional client service should be paramount in the legal profession. We will fight for the benefits you deserve, and we handle disability claims on a no-win-no-fee basis, meaning we do not get paid until you do. To set up a free, no-obligation initial case evaluation with a member of our staff today, call us at 1-800-JUSTICE.
Long-Term Disability Insurance
Long-Term disability insurance is a type of policy designed to pay out when the policyholder suffers an injury or illness that keeps them away from work for a long time. Unlike workers’ compensation and other work-specific benefits, your Long-Term disability policy should pay out regardless of how your injury or illness occurred—whether it happened at work, at home, or somewhere else.
The challenge with Long-Term disability is the same as with any insurance policy: it is not always easy to convince the insurance company to pay you what you deserve. Like any business, insurance companies are driven by profit. They have a strong financial incentive to keep their payouts as low as possible. They have been known to deny valid claims and to offer lowball settlements that pay far less than what the policyholder is entitled to receive.
How It Works
Disability insurance works similarly to car insurance or health insurance. You buy a policy and make premium payments to keep it active. Your policy defines what a qualified disability eligible for benefits is, and it does not always comport with the average person’s idea of a disability. Usually, the insurance company’s definition is much narrower and more exclusionary. If you suffer a disability that meets the policy’s requirements, you can then file a claim—not unlike how you might file a car insurance claim after an accident—and collect benefits.
What It Covers
Every Long-Term disability policy is different in terms of what it covers, but a typical policy will pay you a percentage of what you were making at your job, It will do so for up to a maximum number of weeks or months. Some Long-Term disability policies also cover medical benefits and other injury-related expenses.
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Since 1959, we’ve helped thousands of Canadians get the compensation they deserve with their long-term disability claims. One of Canada’s oldest personal injury law firms, personal injury law is exclusively what we do. Book a free consultation today with our top-rated personal injury lawyers.
Our team is available 24/7 to speak with you.
Why You Need A Lawyer To File A Claim
A Long-Term disability lawyer serving Guelph from Preszler Injury Lawyers can file a claim and take on the insurance company on your behalf, minimizing the chances of a denial or a lowball settlement offer. We understand how insurance companies work and how to file claims in a way that preempts their ability to come back with a denial or insufficient offer. If you have already been denied, we can file a lawsuit to get you your benefits.
Call 1-800-JUSTICE for a free initial case consultation with a Long-Term disability lawyer serving Guelph from Preszler Injury Lawyers today.
Why Claims Get Denied
When Long-Term disability insurance companies deny claims, they usually provide one of three reasons for doing so:
Condition Does Not Meet Disability Criteria
Most often, the insurance company will claim that your injury or illness does not meet the definition of a Long-Term disability as outlined in your policy.
Lack Of Evidence
Another common reason for claim denials is the insurance company claims the policyholder did not present enough evidence in support of their disability.
Deadline Expired
Many Long-Term disability claims get denied because the insurance company takes the stance that the claim was filed after the stated deadline.
Other Options For Long-Term Disability Compensation
In addition to private Long-Term disability insurance, injured workers have a couple of options for collecting benefits while they are away from work.
Workers’ Compensation
The Workplace Safety and Insurance Board administers workers’ compensation. If you qualify for benefits, you can receive compensation for your medical expenses and lost wages. Preszler Injury Lawyers can help you file a claim.
Ontario Disability Support Program
The Ontario Disability Support Program (ODSP) is overseen by the Disability Adjudication Unit of the Ministry of Children, Community and Social Services. It helps injured workers pay for necessities such as housing and food while they are away from their jobs. The program has a few very specific qualifying criteria. You must be an adult who has a demonstrated financial need and be unable to work for at least one consecutive year due to an injury or illness.
Canada Pension Plan – Disability Benefits
Provided you have a severe and prolonged disability or a terminal condition, you can qualify for CPP-D benefits.
How Much Does A Long-Term Disability Lawyer Cost In Guelph
At Preszler Injury Lawyers, we do not charge an out-of-pocket fee for help with a Long-Term disability claim. That means there is no financial risk in working with us. Our fee is a percentage of what we recover for you in compensation, meaning we do not get paid until you do.
Call 1-800-JUSTICE To Schedule A Free Initial Long-Term Disability Case Evaluation With Preszler Injury Lawyers Today
If you are facing an extended period away from work due to an injury or illness, you deserve Long-Term disability compensation. A Long-Term disability lawyer serving Guelph from Preszler Injury Lawyers will fight for you and help you recover the compensation you deserve. We offer a free initial consultation and case evaluation. We never collect a fee until you recover benefits. To get started today by speaking with a member of our friendly, dedicated legal staff, call us at 1-800-JUSTICE.
Do you live in Guelph? 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 GUELPH?
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