Kenora Long-Term Disability Lawyers
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Contact our Kenora 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 have been seriously injured or have been diagnosed with a physical or mental disorder that makes it impossible for you to continue working, you might be eligible for LTD benefits. If you have the right degree of insurance coverage, you may be able to collect monthly payments that replace between 60-70% of your normal wages.
Long-Term disability (LTD) benefits are intended to help eligible insurance policyholders when a disabling medical condition makes it impossible for them to continue carrying out the duties of their occupation. LTD benefits might be available through your employer’s group insurance plan, or through a policy for which you pay monthly premiums independently.
In Kenora, LTD claimants may work in local industries such as health care, education, retail, hospitality, transportation, trades, public services, tourism, or resource-related work. When a serious illness, chronic pain condition, mental health disorder, or injury prevents a person from doing their job, the financial strain can be immediate and severe.
Unfortunately, benefits are often withheld wrongfully from disabled claimants who genuinely need the financial support. At Preszler Injury Lawyers, our Kenora long-term disability lawyers help clients whose LTD claims have been denied, delayed, or terminated by their insurers seek the benefits they are owed. To find out if we can assist with your LTD claim today, schedule a free consultation.
Qualifying for LTD Benefits in Kenora
To qualify for LTD benefits, eligible claimants may first be required to use up all other benefits available to them, including short-term disability benefits and Employment Insurance (EI) sickness benefits. Applicants with qualifying medical conditions may also be required to provide medical evidence supporting their claims to their insurance providers.
This evidence should prove that the claimant has been receiving prolonged, ongoing medical treatment for their condition and that, as a result of its associated symptoms, the claimant cannot complete their occupational tasks.
Eligibility requirements for LTD benefits vary between insurance policies. However, if you have been diagnosed with a prolonged, severe medical condition that impedes your ability to complete the tasks associated with your job, you might qualify for LTD benefits coverage.
Some examples of physical and mental conditions that may entitle policyholders to receive LTD benefits 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
In some cases, your illness or disability may have been the result of an accident caused by another party’s negligence. Our Kenora personal injury lawyers frequently work with our LTD team to assess whether denied claimants are also eligible to file a lawsuit for financial compensation against an at-fault party. Our Kenora slip and fall lawyers, Kenora car accident lawyers, and other members of our personal injury team can help assess your disability if it was caused by an accident.
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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.
Take Action When Your LTD Benefits Are Denied
Unfortunately, even after submitting thorough evidence proving the severity of your medical condition and its preventative impacts on your work, insurance providers may still deny access to benefits. In fact, while insurance providers are not required to disclose exactly what percentage of LTD claims they deny each year, it can be ascertained that more than half of all claims for LTD benefits are denied annually.
Common disputes over LTD claims may involve:
- Whether the claimant is sufficiently disabled
- Whether enough medical evidence has been provided
- Whether treatment has been followed
- Whether a change in the policy’s definition of disability affects the claim
- And more
A denial can be particularly stressful for residents in Kenora who may need to travel for specialist appointments or rely on a limited income while trying to manage a serious medical condition.
Our Kenora long-term disability lawyers have a history of helping unfairly denied insurance claimants in the region. If your claim for LTD benefits was denied even though you cannot work because of your medical condition, our long-term disability lawyers serving Kenora may be able to help you challenge your insurer’s determination and help you recover the compensation you are owed.
Don’t Hesitate – Call Our Long-Term Disability Lawyers Serving Kenora Today
At Preszler Injury Lawyers, our Kenora long-term disability lawyers provide personalized, case-specific legal advice to all prospective clients during a cost-free, no-obligation first meeting. If your claim for LTD benefits was denied, our LTD team may be able to fight your insurance provider on your behalf so you can recover the payments you are rightfully owed.
Schedule a free initial consultation with Preszler Injury Lawyers to learn about legal options for financial recovery that might be available to you. You can contact us online or call us 24/7 at 1-888-608-2111.
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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
Learn More in Our Documentaries
Understand how our lawyers help clients fight unfair insurer denials, delays, and terminations.
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When Pain is Invisible: A Documentary
A client’s story about life after a car accident, chronic pain, long-term disability benefits, insurance surveillance, and the ultimate struggle to be believed.
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 KENORA?
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