Nipissing Long Term Disability Lawyer
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Contact our Nipissing long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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Table of Contents
People living with a disability often face a number of physical, emotional, and financial difficulties. This is especially true for people who are no longer able to work in their occupational field because of circumstances that are completely out of their control. In these stressful and disheartening circumstances, people who cannot continue earning the regular wages to which they have become accustomed might develop legitimate financial anxieties about how they will be able to continue supporting themselves and their families.
For people who have been diagnosed with a disabling medical condition, Long-Term disability (LTD) benefits could be the only stable source of income available to them. LTD benefits are intended to help eligible insurance policyholders with the appropriate level of coverage through a difficult time in their lives. When a chronic illness, severe injury, or debilitating mental health issue makes it impossible for an insurance policyholder to return to work, provided they have adequate coverage, they should be entitled to receive the monthly payments they are rightfully owed.
Unfortunately, insurance providers frequently deny claims for LTD benefits submitted by eligible policyholders whose disabling medical conditions prevent them from carrying out the tasks of their jobs. Furthermore, even after a claimant’s application for LTD benefits is approved, their insurer might prematurely terminate their benefits payments, even when their medical conditions still make it impossible for them to return to the workplace.
If your insurance provider failed to provide you with fair treatment and withheld the benefits payments that you are rightfully owed, by working with our Nipissing Long-Term disability lawyers, you may be able to recover damages you have incurred as a result of their unjust decision. These damages might include:
- Previously denied benefits payments
- Legal fees
- Damages incurred as a result of the claim’s denial or termination
- Punitive damages
- And possibly more
Our Long-Term disability lawyers serving Nipissing appreciate that standing up to a large company like an insurance provider can feel like an impossible feat, especially if your LTD benefits have been denied or terminated. For those who wish to appeal their insurance provider’s unfair decision, the legal process might appear to be complicated, drawn out, and expensive. However, by working with our Nipissing Long-Term disability lawyers, eligible clients may be able to recover the compensation to which they are rightfully entitled.
At Preszler Injury Lawyers, we do our best to remove financial barriers to accessing our important legal services. Our Long-Term disability lawyers serving Nipissing work on a contingency-fee basis. Our fees are based on a percentage of the overall amount recovered through our legal actions. Essentially, you only pay for our services if we win your case.
In addition, our Nipissing Long-Term disability lawyers offer all prospective clients a free initial consultation. To take advantage of your cost-free, no-obligation first meeting with our Long-Term disability lawyers serving Nipissing, contact us online or call 1-800-JUSTICE.
Contact Preszler Injury Lawyers Today
To learn how our Long-Term disability lawyers serving Nipissing might be able to help with your case, schedule your free initial consultation with Preszler Injury Lawyers today.
Do you live in Nipissing? Here’s how we can help:
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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