Suffering in injury or illness is stressful enough, but no longer being able to work to support yourself and your family can be extremely challenging. Losing your ability to go to work, partake in your favorite pastimes, or visit friends can take a considerable toll. If you have become unable to work for a living due to a disability or an injury, you may qualify for long-term disability benefits. Understanding your long-term disability rights under Ontario law is essential. Whether you still need to file a long-term disability claim or you need to appeal your denied claim, we can help.
For 60 years, Preszler Law Firm has helped clients fight for their rights under Ontario law. We have helped many clients secure long-term disability compensation. We have also advocated for clients during the appeals process. Suffering from an injury or disability can drain your physical, mental, and emotional health.
Our long-term disability lawyers can meet with you in Brampton for a free initial consultation. Call (416) 364-2000
Brampton Long-Term Disability Benefits Lawyers
That is why our staff strives to make the process of seeking long-term disability compensation as stress-free as possible. When you hire our lawyers, you will not have to go through a middleman or woman. Our lawyers speak directly to our clients in a timely fashion. We explain the legal process to our clients and can even meet at their home if coming into one of our Ontario offices is too burdensome. If you are unable to work in Toronto due to an injury or illness, we can help you seek the compensation you deserve. Fill out our case evaluation today to get the process started.
Brampton Long-Term Disability Lawyer Near Me (416) 364-2000
Ontario Long-Term Disability Benefits Programs
The Canadian government offers several disability benefits programs. These programs provide compensation to Canadians who are unable to work due to injury, illness, or an accident for a significant period. Each Canadian province offers different programs. Ontario provides more than a few government-funded disability programs. Long-term disability claims, however, pertain to private insurance claims through companies like Manulife, Sunlife or Great West Life among others.
Ontario Employment Insurance (EI) Sickness Benefits Lawyers
Canada offers an Employment Insurance program that provides citizens with temporary financial compensation when they are out of work. Those who are not able to work due to injury or illness may qualify for “sickness benefits” under the EI program. To qualify, you must demonstrate the following:
- Your employment is in an environment that is insurable
- Your typical weekly earning amount has become reduced by over 40% due to injury or illness
- You have accumulated at least 600 hours of insurable employment during the qualifying time
- You will need a doctor signed medical certificate attesting to your injury or illness
The amount of employment insurance sickness benefits changes yearly. As of 2019, most people received 55% of their average insurable weekly earnings, up to a maximum amount of $562 per week. Those who qualify may only collect the benefit for up to 15 weeks. The Canadian government calculates how much your benefit would be by analyzing several factors, including your total earnings during your best weeks of earnings.
If your annual net family income is $25,921 or less, you have children, and your spouse receives the Canada Child Tax Benefit, your family is likely eligible for an EI family supplement. This supplement can increase the amount of your benefit by up to 80% of your average insurable earnings.
Those who qualify for this benefit must apply as soon as possible. If you delay your application for four weeks or more, you may lose your entitlement to the benefit. You can apply online; however, we recommend speaking to an experienced Brampton long-term disability lawyer who can ensure that you correctly submit your application.
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Long-Term Disability Insurance Lawyers
Some Ontario residents are eligible to apply for long-term illness of disability benefits through private insurance companies in addition to the public benefits system. These benefits are intended to replace missing income for a more extended period. The benefits typically last until the retirement age of 65. To be eligible, you must have coverage under an employer or union policy. You can also seek coverage as an individual and purchase your own long-term disability insurance policy.
Each disability plan is unique, but most will replace between 50% and 70% of your typical income when you become disabled. Some policies provide disability payments for up to two years if you remain unable to return to your job due to illness or injury and will discontinue payments after two years unless you can prove that you are unable to work at any position.
The definition of disability varies depending on your long-term disability insurance plan. Some plans require you to participate in a rehabilitation program that will help you get back to work. In some cases, the legal definition of what constitutes an occupation also becomes an issue. Our long-term disability insurance benefits lawyers will examine your insurance policy and determine the best way to file your claim or appeal your denied claim.
Canada Pension Plan Disability Lawyers
If you are under the age of 65 and you are unable to work due to a disability, you may be eligible to receive disability payments under the Canadian Pension Plan. To qualify, you must have made recent contributions to the Canadian Pension Plan and suffer from a severe and prolonged disability or terminal condition. Most people make these payments automatically through their employers’ payroll.
Toronto Workers Compensation Benefits Lawyers
Most Canadian companies need to enroll their employees in a workers’ compensation program. The Provincial Workers Compensation Program covers most Ontarians’ employees should they become injured on the job or unable to work for a significant time. Unfortunately, if your employer is not required to not enroll in a workers’ compensation program, you may not be eligible for these benefits.
Preszler Law Firm Can Help You with All Aspects of Your Long-Term Disability Claim
Hiring a lawyer to help you with your long-term disability insurance claim will save you time and money. Rather than sorting through the paperwork and legal jargon while trying to recover from your injury, let us help. Whether you need to file a long-term disability insurance claim or you need to file for a government-funded disability program, our skilled lawyers are here to assist you. To schedule your free Brampton, Ontario, legal consultation, contact us today.