Kingston Long Term Disability Lawyer
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Whether you have sustained a severe injury, developed a chronic illness, or have been diagnosed with a disabling condition related to your mental health, provided your insurance policy has the appropriate level of coverage, you might be entitled to collect Long-Term disability (LTD) benefits. LTD benefits might be included in your employer’s group insurance plan, or through another policy that you pay for independently.
LTD benefits are designed to provide eligible claimants with between 60-70% of their regular earnings when they are no longer able to work because of a disabling medical condition. Different policies have different terms and conditions, as well as different eligibility requirements for claimants. Indeed, it can be hard to get LTD benefits. Unfortunately, this is often the case for policyholders trying to recover LTD benefits for so-called “invisible” injuries or illnesses.
Since “invisible” injuries or illnesses do not present objectively observable symptoms, insurers might deny an eligible claimant’s application for LTD benefits due to a lack of evidence. Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:
- Whiplash
- Soft tissue injuries
- Depression
- Anxiety
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia
- Arthritis
- Chronic pain
- Traumatic brain injuries (TBIs)
- And more
LTD claimants suffering from invisible injuries or illnesses may be in extreme pain and discomfort for extended periods of time, but since their symptoms are experienced subjectively and their severity cannot be observed through medical testing, they may be denied crucial support from their insurance provider. This can be extremely frustrating and disheartening for people suffering from legitimate medical complaints.
Moreover, even if an eligible policyholder receives LTD benefits payments for their disabling medical condition, after an arbitrarily determined period of time, their insurance provider might cut off their payments. After two years of providing eligible recipients with LTD benefits, many insurance providers update their definition of the term “disability.” By doing so, they impose even more stringent limitations on people who are still unable to return to the duties of their job because of their severe medical condition.
There are many sources of stress and anxiety for people living with a disability, and most of them are related to their finances. If you are unable to work because of your medical condition, receiving LTD benefits might make all the difference between continuing to support yourself and falling into financial despair.
If your insurance policy covers Long-Term disability and your LTD benefits were unfairly denied or terminated, schedule a free initial consultation with our Long-Term disability lawyers serving Kingston by calling 1-800-JUSTICE.
Contact Preszler Injury Lawyers Today
By taking advantage of a free initial consultation with our Kingston Long-Term disability lawyers, you will have the opportunity to review the details of your case and receive personalized legal advice about options for financial recovery that might be available to you. There is no cost associated with this initial, no-obligation consultation.
Furthermore, if you are eligible to pursue action against your insurance provider, our Long-Term disability lawyers serving Kingston will not charge you a cent unless we win your case. We work on a contingency-fee basis, which means you will not have to worry about the financial cost of standing up for your rights. Instead, Preszler Injury Lawyers will focus on all aspects of your claim so that you can focus on your health and well-being.
To learn more about how our Kingston Long-Term disability lawyers may be able to assist you, contact us today.
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
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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