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Preszler Injury Lawyers

What Are the Benefits of Long-Term Disability?

In the event that unexpected health issues prevent you from earning a living, long-term disability benefits may provide you with much-needed financial stability. Many plans cover a large percentage of your regular income, which may grant you a degree of security after developing a serious illness or sustaining a debilitating injury.

The benefits you may be eligible to receive from your long-term disability insurance provider may vary depending on your specific plan. Insurance coverage is regulated by each province’s Insurance Act, and so terms may vary based on where you live. Furthermore, insurance companies offer policyholders a variety of options for coverage, meaning that policies may not even be comparable to other plans issued by the same carrier.

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If you have any questions and would like to schedule a call with our legal team for a FREE no-obligation consultation, contact us now. During this call you can ask any questions as it relates to your accident and/or claim and we'll discuss your options and possible outcomes.

Regardless of where you're located in Ontario – we may be able to help you. Don't delay - call us. Our lines are open 24/7.

Understanding the Terms of Long-Term Disability Benefits Policies

Depending on the terms of individual policies, the severity of a claimant’s medical condition may or may not entitle them to receive long-term disability benefits. Certain plans only provide benefits to policyholders whose medical condition is considered to be a “total disability,” meaning it prevents the claimant from performing the duties of any type of job.

Other plans may offer more lenient eligibility requirements. In these cases, if an employee’s medical condition prevents them from performing the duties of their current job for an extended period of time, they may qualify for long-term disability benefits. In these cases, however, their eligibility requirements may be altered after receiving benefits for more than two years.

Insurance policies may also feature exclusion clauses for pre-existing conditions, namely medical conditions sustained by a policyholder before their enrollment in the insurance plan. If policies fully exclude coverage for pre-existing conditions and your established medical condition was caused by your long-term disability, you may not be eligible to receive benefits payments.

However, some insurance policies offer “limited exclusions” for pre-existing conditions. In these situations, you may still be able to collect long-term disability benefits for pre-existing conditions after being enrolled in the insurance plan for a predetermined period of time.

Call 1-888-608-2111 for available options or Book a Consultation

Being Financially Prepared for a Long-Term Disability

According to a recent Canadian Survey on Disability conducted by Statistics Canada, 22% of Canadians, roughly 6.2 million people, have at least one disability. This study also reports that the employment rate for working-age adults with disabilities is 59%.

According to the Financial Consumer Agency of Canada’s 2019 Canadian Financial Capability Survey, 64% of Canadians reported having an emergency fund that could cover the costs of their monthly expenses for three months. However, those who earn less than $40,000 a year or have not paid off their mortgages are less likely to have access to $2,000 for “unexpected expenses.”

No one expects to receive a medical diagnosis or sustain catastrophic injuries, but the truth is, no one is invulnerable to sudden illness or accidents. If a sudden medical condition prevents you from earning a paycheck for several months, long-term disability benefits can provide financial and emotional relief.

Contact Preszler Injury Lawyers Today

If you have received a serious medical diagnosis and are not sure if you qualify for long-term disability benefits under your current insurance policy, Preszler Injury Lawyers may be able to review the terms of your plan and provide useful assistance and advice. If your claim for long-term disability benefits has been denied, Preszler Injury Lawyers may be able to help you appeal your insurance company’s decision. For a free, initial consultation about your claim, call Preszler Injury Lawyers at 1-800-JUSTICE.

Call us now at

151 Eglinton Ave W,
Toronto, ON
M4R 1A6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
4145 N Service Rd
Burlington, ON
L7L 4X6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
2 County Ct Blvd #400,
Brampton, ON
L6W 3W8
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
105 Consumers Drive
Whitby, ON
L1N 1C4
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
92 Caplan Ave #121,
Barrie, ON
L4N 0Z7
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
380 Wellington St Tower B, 6th Floor,
London, ON
N6A 5B5
Toll Free: 1-888-608-2111
2233 Argentia Rd Suite 302,
East Tower Mississauga, ON
L5N 6A6
Toll Free: 1-888-608-2111
1 Hunter St E,
Hamilton, ON
L8N 3W1
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
459 George St N,
Peterborough, ON
K9H 3R9
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
116 Lisgar Street, Suite 300
Ottawa ON
K2P 0C2
Toll Free: 1-888-608-2111
10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
Toll Free: 1-888-608-2111
*consultation offices

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