Rainy River Long Term Disability Lawyer
Find out if you have a case today.
Contact our Rainy River long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
Table of Contents
Certain medical conditions, including physical injuries, illnesses, and mental health disorders make it impossible for regular people to continue going about their day-to-day business, or performing the duties of their jobs. That is why certain employers provide their staff with group insurance plans covering Long-Term disability (LTD) benefits. Should a person develop a disabling medical condition or sustain a severe, traumatic injury that prevents them from carrying out the tasks of their chosen occupation, they might be able to submit a claim for LTD benefits through their employerโs insurer. If their employerโs group insurance plan does not provide an appropriate level of coverage, LTD benefits might be covered under another private insurance policy.
In order to recover LTD benefits, policyholders with the appropriate level of insurance coverage must be able to submit evidence to their insurance provider proving that:
- They have received a diagnosis for a disabling medical condition
- They have received ongoing medical treatment for this condition
- Their condition requires them to continue seeking medical treatment
- Their medical condition makes it impossible for them to perform the specific duties of their job
- And possibly more
Examples of evidence that might be useful to include in an application for LTD benefits include:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- A detailed description of job duties
- A statement from plan sponsor (i.e. employer)
- Other documentation
Additionally, you must first exhaust all other forms of insurance coverage available to you through your plan before applying for LTD benefits. These might include short-term disability and Employment Insurance (EI) sickness benefits.
Unfortunately, even after submitting thorough, compelling evidence proving that your injury or illness prevents you from working in your current occupational field, your insurance provider might decide to deny your claim for LTD benefits and withhold the income replacement payments to which you should be entitled. Insurance companies often deny LTD benefits claims for a number of reasons, many of which can be difficult to understand.
After receiving a denied claim for LTD benefits, speaking with a Rainy River Long-Term disability lawyer could be beneficial. Preszler Injury Lawyers have decades of experience fighting against the unfair tactics often employed by insurance companies to avoid paying their policyholders what they are rightfully owed.
If you have sustained a severe injury, developed a chronic illness, or have been diagnosed with a disabling mental health condition that prevents you from working, our Long-Term disability lawyers serving Rainy River might be able to provide you with crucial legal assistance and advice. To review the details of your case with our Rainy River Long-Term disability lawyers and receive personalized legal advice about options that might be available to you, call 1-800-JUSTICE and book your free initial consultation with Preszler Injury Lawyers today.
Speak With Our Rainy River Long-Term Disability Lawyers Today
If your claim for LTD benefits was denied, consider scheduling a free initial consultation with our Rainy River Long-Term disability lawyers. There is no cost for the initial consultation and no obligation to commence legal action if you are entitled to do so.
However, by working with our Long-Term disability lawyers serving Rainy River, you might be able to overturn your insurance companyโs unfair determination to recover the compensation you deserve. Damages often include:
- Previously withheld insurance benefits
- Legal fees
- Damages you have incurred as a result of your claimโs initial denial
- Punitive damages
- And possibly more
To learn more about how our Rainy River Long-Term disability lawyers might be able to help you receive the fair treatment to which you should be entitled, call 1-800-JUSTICE today.
Do you live in Rainy River? Here’s how we can help:
Proudly Canadian
Award Winning Personal Injury Law Firm
We are proud to be one of Canadaโs 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. Itโs not just the awards that recognize our achievements, but also the wins weโve 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 weโve had for our clients.
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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
Can I appeal a CPP Disability denial?
Yes, CPP denials can be appealed through the Social Security Tribunal, which reviews applications and medical evidence.
What if my doctor doesn’t support my disability claim?
You may seek a second opinion from another qualified physician to provide additional evidence.
Can the insurance company cut off my benefits without notice?
Insurers may stop benefits if they believe you no longer meet the disability definition, but they must provide reasons.
Will my employer know about my disability claim?
Employers usually only know that you’re receiving LTD benefits, not the details of your medical condition.
What happens if I’m approved for CPP Disability benefits?
Your LTD insurer may deduct CPP benefits from your LTD payments. Approval for CPP Disability may strengthen your LTD case.
Can I work part-time while receiving long-term disability benefits?
Sometimes, policies allow partial benefits if you can work reduced hours. The rules depend on your policy language.
Can my LTD benefits be taxed?
Taxation depends on whether your premiums were paid with pre-tax or after-tax income. If your employer paid the premiums, your benefits may be taxable.
What if my employer terminates me while on disability?
Employment termination doesn’t automatically cancel your LTD benefits. Your coverage may continue as long as you were covered when you became disabled.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN RAINY RIVER?
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Learn how we can challenge your denial or termination and help you secure the benefits you’re entitled to.