Port Hope Long Term Disability Lawyer
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For people living with a disability, juggling basic costs of living with necessary medical expenses can feel like an impossible balancing act, especially if they are unable to work because of their disabling medical condition. Without the regular income to which they have become accustomed, workers who can no longer perform the duties of their chosen occupation might struggle to continue supporting themselves and their loved ones.
However, many businesses provide their employees with group insurance plans that include coverage for Long-Term disability (LTD) benefits. People who cannot access LTD benefits through a group insurance plan offered by their employer may wish to purchase their own private policy independently.
LTD benefits usually provide recipients with between 60-70% of their regular wages when a serious injury, physical illness, or mental disorder makes it impossible to complete the tasks associated with their jobs. In order to qualify for LTD benefits, policyholders must have first used up all other benefits available to them, including short-term disability benefits and Employment Insurance (EI) sickness benefits. While the amount of monthly payments available to LTD benefits recipients will not reflect their total regular earnings and may be subject to payment caps (depending on the terms of their insurance policy), LTD benefits can be a crucial source of income and financial stability for people struggling to make their way through a challenging chapter of their lives.
Each insurance policy is different and might be subject to specific terms, conditions, and eligibility requirements. Certain medical conditions might be excluded from an insurance plan’s coverage. Oftentimes, people who have developed a disabling medical condition as a result of pre-existing conditions might not be entitled to receive LTD benefits.
Some common examples of medical conditions that might entitle a policyholder with an appropriate level of insurance coverage to collect LTD benefits include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis
- Fibromyalgia
- Paralysis
- Depression
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
Unfortunately, for a variety of reasons– many of which can be difficult to understand– insurance providers may decide to deny an eligible policyholder’s claim for LTD benefits. When this happens, people who are legitimately unable to continue working because of a disabling medical condition might be left entirely out in the cold, with no access to the only source of stable income available to them. In these situations, people suffering from disabling medical conditions often struggle to make ends meet, and might develop legitimate financial anxieties.
Has your claim for LTD benefits been unfairly denied? If you should be entitled to receive LTD benefits payments because you have been diagnosed with a disabling medical condition but the funding you deserve has been withheld from you, our Port Hort Long-Term disability lawyers may be able to provide you with crucial legal assistance.
To learn more about how our Long-Term disability lawyers serving Port Hope may be able to help you overturn your insurance company’s unfair decision, contact us today.
Don’t Wait Until It’s Too Late – Call 1-800-JUSTICE Today
At Preszler Injury Lawyers, all prospective clients receive a free initial consultation to go over the details of their case with members of our legal team. By taking advantage of a cost-free, no-obligation first meeting with our Port Hope Long-Term disability lawyers, you will have the opportunity to receive personalized, case-specific legal advice and learn about options for various courses of action that might be available to you.
By working with our Long-Term disability lawyers serving Port Hope, you may be able to recover the maximum amount of compensation to which you are rightfully owed. To learn more, call 1-800-JUSTICE and schedule your free initial consultation.
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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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