Brampton Long Term Disability Lawyer
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If you are no longer able to work because you have sustained a severe injury, developed a chronic illness, or have been diagnosed with a disabling mental health condition, provided you have the appropriate level of insurance coverage, you might be able to collect Long-Term disability (LTD) benefits. LTD benefits are designed to provide eligible insurance policyholders with income replacement payments when they are unable to perform the duties of their jobs because of a disabling medical condition.
Although eligibility requirements differ from policy to policy, you might qualify to receive LTD benefits if you have been diagnosed with a number of prolonged, severe medical conditions that make it impossible for you to carry out the duties of your occupation. Depending on the terms of your policy, these medical conditions could be related to both your physical and mental health, and might 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
Certain employers provide group insurance plans for their workers which might include coverage for LTD benefits. Other people may have access to disability coverage through a privately held insurance policy for which they pay premiums each month.
Provided your insurance plan includes coverage for LTD benefits, if you can no longer work because of your medical condition, you might be able to collect between 60-70% of your regular earnings in the form of monthly benefits payments. LTD benefits payments can provide much-needed financial security to people who, through no fault of their own, cannot continue making ends meet.
In order 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.
Unfortunately, even after submitting thorough evidence proving the severity of a policyholder’s medical condition and its preventative impacts on their ability to work, insurance providers may still determine that they are ineligible to collect LTD benefits. In fact, while insurance providers are not required to disclose exactly what percentage of claims for LTD benefits are denied across the country each year, it can be ascertained that more than half of all claims for LTD benefits are denied annually.
If your claim for LTD benefits was denied even though you cannot work because of your medical condition, schedule a free initial consultation with our Brampton Long-Term disability lawyers to learn about legal options for financial recovery that might be available to you.
Don’t Hesitate – Call Our Long-Term Disability Lawyers Serving Brampton Today
Our Brampton 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, or if your disability payments were unfairly and prematurely terminated, our Long-Term disability lawyers serving Brampton may be able to fight your insurance provider on your behalf so you can recover the payments you are rightfully owed.
To learn more about how our Brampton Long-Term disability lawyers may be able to help you, contact us online today or book your free initial consultation by calling 1-800-JUSTICE.
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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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