Oshawa Long Term Disability Lawyer
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Table of Contents
People pay monthly premiums to their insurance companies so that, in case of the worst, they will be able to access life-saving benefits payments. Certain businesses offer their employees access to a group insurance plan with coverage for Long-Term disability (LTD) benefits. People who do not have access to sufficient coverage through their employer’s insurance plan may decide to purchase their own private policy so that, in case they are unable to work as a result of a severe injury, physical illness, or mental disorder, they will be able to access the coverage they need to continue supporting themselves and their families.
LTD benefits can provide eligible insurance policyholders with between 60-70% of their regular earnings when they cannot return to work after receiving a diagnosis for a disabling medical condition. These monthly income replacement payments can go a long way to helping people living with a disability make ends meet. Although LTD benefits recipients cannot collect the full amount of income to which they have become accustomed, the insurance coverage available to them can provide a degree of financial stability and a much-needed sense of security during a difficult and tumultuous time.
Sadly, many claims for LTD benefits are turned down by insurance providers, and the payments to which policyholders should be entitled are withheld. Often, this happens when applicants submit claims for so-called “invisible” injuries or illnesses. The severity of “invisible” injuries or illnesses is subjective, meaning there is no metric or test to objectively observe its impacts on a patient. Since these conditions cannot be proven by analyzing the results of medical tests and their impact on a person’s ability to perform their jobs cannot be objectively measured, many policyholders who should be eligible to receive LTD benefits receive a denied claim.
Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:
- Depression
- Anxiety
- Chronic pain or complex regional pain syndrome (CRPS)
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia
- Arthritis
- And more
Unfortunately, it can be hard to get LTD benefits, even when eligible policyholders are able to provide medical evidence substantiating that their disabling medical condition makes it impossible to carry out the duties of their jobs. In fact, by looking at the number of disability claims denied by the Canada Pension Plan (CPP) each year, it can be presumed that more than 60% of LTD benefits claims are denied by Canadian insurers each year.
If your claim for LTD benefits was denied by your insurance provider even though your medical condition makes it impossible for you to work, our Oshawa Long-Term disability lawyers may be able to help you. Our Long-Term disability lawyers serving Oshawa know the tactics often used by insurance companies to treat their policyholders unfairly and are passionate about helping members of the local community stand up for their rights.
To learn how our Oshawa Long-Term disability lawyers might be able to assist with your case, book a free initial consultation with Preszler Injury Lawyers by calling 1-800-JUSTICE or contacting us online.
Receive A Free Initial Consultation By Calling 1-800-JUSTICE
Receiving a denied claim for LTD benefits can be discouraging, frustrating, and legitimately frightening. Our Long-Term disability lawyers serving Oshawa are committed to helping the people we represent recover the compensation and fair treatment they are duly owed.
Schedule a free initial consultation with our Oshawa Long-Term disability lawyers today and learn how Preszler Injury Lawyers may be able to assist you with your case.
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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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