Ontario Personal Injury Lawyers
Call 1-888-404-5167
Preszler Injury Lawyers

Richmond Hill Long-Term Disability Lawyer

Your employer’s group insurance plan might include coverage for long-term disability (LTD) benefits. If you are self-employed or do not have sufficient coverage through your employer’s insurance plan, you might have chosen to pay monthly premiums for a privately held policy that includes access to LTD benefits. LTD benefits are typically made available to severely injured or chronically ill insurance policyholders who are unable to carry out the tasks associated with their occupations because of the medical conditions they have acquired. 

Although each insurance policy is different and eligibility criteria for disability benefits may vary from insurer to insurer, injured or ill policyholders who wish to submit a claim for LTD benefits do not necessarily need to have sustained an easily observable medical condition in order to qualify for disability benefits. If invisible injuries or illnesses– including mental health conditions– make it impossible for a policyholder with sufficient insurance coverage to do their jobs, they might qualify for LTD benefits. 

Some medical conditions that might entitle a claimant to collect LTD benefits include:

  • Spinal cord injuries (SCIs)
  • Paralysis
  • Heart disease
  • Traumatic brain injuries (TBIs)
  • Chronic pain or complex regional pain syndrome (CRPS) 
  • Post-traumatic stress disorder (PTSD)
  • Depression
  • Bipolar mood disorder
  • Lupus or Lyme disease
  • Psoriatic arthritis or fibromyalgia 
  • Back injuries
  • And possible more

Generally, in order to qualify for LTD benefits, eligible claimants must have already exhausted the other benefits available to them, including short-term disability and employment insurance (EI). Furthermore, claimants should be able to provide evidence along with their applications, proving the severity of their medical condition and its preventative impacts on their abilities to complete the duties of their jobs, as well as their need for ongoing medical treatment, and an official diagnosis from their primary care provider (and possibly other medical experts).

Unfortunately, it is not always easy for eligible policyholders with qualifying medical conditions to access the LTD benefits they should be rightfully owed. Indeed, even after submitting the supplementary medical evidence required to prove the incapacitating nature of their acquired injuries or illnesses, policyholders are frequently denied the insurance coverage they undoubtedly require. 

LTD benefits can provide between 60-70% of a recipient’s regular wages (usually up to a predetermined salary cap). For people who– through no fault of their own– are unable to continue earning their regular income, these monthly payments can make the difference between financial stability and distress. And yet, insurance providers routinely make it incredibly difficult to access the necessary coverage to which they should be entitled. 

If your claim for LTD benefits has been denied, our Richmond Hill long-term disability lawyers may be able to help you appeal your insurance provider’s unfair decision. By doing so, our long-term disability lawyers serving Richmond Hill may be able to help you recover the payments that have been previously withheld, as well as other damages resulting from your claim’s initial denial (including legal fees). To learn whether you may be able to overturn your insurance company’s unfair determination, call 1-800-JUSTICE and take advantage of a free initial consultation with our Richmond Hill long-term disability lawyers.

Talk With Our Legal Team

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.

Speak to Our Long-Term Disability Lawyers Serving Richmond Hill

In order to remove financial barriers to accessing our services, our Richmond Hill long-term disability lawyers provide a free initial consultation to all prospective clients. At Preszler Injury Lawyers, our long-term disability lawyers serving Richmond Hill are committed to helping members of the local community in their pursuits of fair treatment and proper compensation.

To discuss your case with our Richmond Hill long-term disability lawyers and learn if you might be eligible to appeal your claim’s denial, contact Preszler Injury Lawyers online or call 1-800-JUSTICE.


Areas We Serve

Practice Areas

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

DISCLAIMER: Please be advised that the header image and other images throughout this website may include both lawyer and non-lawyer/paralegal employees of Preszler Injury Lawyers and DPJP Professional Corporation and unrelated third parties. Our spokesperson John Fraser, or any other non-lawyer/paralegals in our marketing is not to be construed in any way as misleading to the public. Our marketing efforts are not intended to suggest qualitative superiority to other lawyers, paralegals or law firms in any way. Any questions regarding the usage of non-lawyers in our legal marketing or otherwise can be directed to our management team. Please also note that past results are not indicative of future results and that each case is unique and that case results listed on site are from experiences across Canada and are not specific to any province. Please be advised that some of the content on this website may be out of date. None of the content is intended to act as legal advice as each situation is independent and unique and requires individual legal advice from a licensed lawyer or paralegal. For legal advice on your individual situation – we can provide legal guidance after you have contacted our firm and we have established a lawyer-client relationship contractually. Maximum contingency fee charged is 33%. Finally, our usage of awards and logos for awards does not suggest qualitative superiority to other lawyers, paralegals or law firms. All awards received from third party organizations have been done so through their own reasonable evaluative process and do not include any payment for these awards except for the use of the award logos for our marketing assets. We are also proud to service additional provinces like Alberta, British Columbia and Nova Scotia.