Mississauga Long Term Disability Lawyer
Find out if you have a case today.
Contact our Mississauga long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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Have you been diagnosed with a disabling medical condition that prevents you from performing the duties of your job? 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 in your occupational field, if you have the right degree of insurance coverage, you might be eligible for Long-Term disability (LTD) benefits.
Some insurance policyholders may be able to access LTD benefits coverage through their employer’s group plan, while others might pay for their own private policy with sufficient coverage. 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 monthly payments that replace between 60-70% of your normal wages. Depending on the terms of your insurance policy, these payments may be subject to certain caps or maximum monthly amounts.
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 often 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 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 Mississauga 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 Mississauga Today
Our Mississauga 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 Mississauga 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 Mississauga 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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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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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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