Ajax Long Term Disability Lawyer
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If you were seriously injured in an accident, have developed a chronic illness, or are experiencing debilitating symptoms of mental health disorders, carrying out the regular duties of your job might be impossible. If your medical condition prevents you from working and you have access to the appropriate level of insurance coverage, you may be able to collect Long-Term disability (LTD) benefits.
Some employers may provide their staff members with group insurance plans that include coverage for LTD benefits. If you do not have access to insurance coverage through your place of work, you may wish to purchase your own policy with disability coverage.
LTD benefits are intended to provide necessary financial assistance to insurance policyholders who, through no fault of their own, have developed a disabling medical condition that prevents them from carrying out the tasks associated with their occupation. Policyholders with the appropriate level of coverage might qualify to receive LTD benefits after exhausting other forms of available benefits, such as short-term disability and employment insurance.
While LTD benefits do not replace a recipient’s entire regular income, often these monthly payments provide qualified claimants with between 60-70% of their normal wages. These income replacement payments can be crucial for people who cannot continue to work as a result of their disabling medical condition. Living with a disability can be challenging and expensive. For people with severe, prolonged physical or mental disabilities, LTD benefits could be the only source of financial stability available.
Eligibility requirements for LTD benefits vary from policy to policy. Before filing a claim for LTD benefits, it might be worth reviewing the details of your insurance plan with an Ajax Long-Term disability lawyer to ensure that your condition meets your plan’s definition of disability. Some examples of physical and mental conditions that might enable you 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
Unfortunately, even for policyholders with disabling medical conditions that legitimately prevent them from working, it can be hard to get LTD benefits. In fact, many insurance providers deny claimants’ benefits applications for reasons that can be difficult to comprehend.
Insurance companies are not required to disclose what percentage of claims for LTD benefits are denied each year, however based on anecdotal evidence and a comparison of annual disability claim denials issued by the Canada Pension Plan (CPP), it can be surmised that more than half of all LTD claims submitted each year are not approved by insurance providers.
If your claim for LTD benefits has been denied, you are not alone. Sadly, the knowledge that many insurance policyholders are denied access to the payments they are rightfully owed does not make the process any easier. For those struggling to make ends meet after acquiring a severe medical condition, receiving a denied claim for LTD benefits can be frustrating, disheartening, and indeed, very frightening.
By working with our Long-Term disability lawyers serving Ajax, you may be able to overturn your insurance provider’s unfair decision in order to recover the benefits you deserve. To learn more about how our Ajax Long-Term disability lawyers may be able to assist you, schedule a free initial consultation with Preszler Injury Lawyers today.
Contact Our Ajax Long-Term Disability Lawyers
Our Long-Term disability lawyers serving Ajax provide all prospective clients with a free initial consultation. Even if you are unsure whether you might be entitled to fight your insurance provider’s decision, taking advantage of your cost-free, no-obligation first meeting with Preszler Injury Lawyers could be beneficial.
By discussing your case with our Ajax Long-Term disability lawyers, you will have the opportunity to learn about legal options that might be available to you so that you can protect your financial well-being during this difficult time. To receive personalized legal advice today, schedule your free initial consultation by calling our Long-Term disability lawyers serving Ajax at 1-800-JUSTICE.
Do you live in Ajax? 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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