Smiths Falls Long Term Disability Lawyer
Find out if you have a case today.
Contact our Smiths Falls long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
Book a FREE Consultation
Tell us what happened
We’re here to help.
Table of Contents
There are many sources of stress and anxiety for people living with a disability, and most of them are related to their finances. If you are unable to work because of your medical condition, receiving Long-Term disability (LTD) benefits might make all the difference between continuing to support yourself and falling into financial despair.
These monthly income replacement payments are intended to provide much-needed financial security to insurance policyholders who are unable to continue working because of a newly acquired, disabling medical condition. While the terms, conditions, and qualifying medical conditions vary from policy to policy, LTD benefits might be available for policyholders who cannot continue carrying out the duties of their current occupations because of a debilitating condition related to their physical or mental health.
Depending on the level of coverage available in your employer’s group insurance plan or your own, privately held insurance policy, you may be eligible to apply for LTD benefits if you have been diagnosed with a condition that makes it impossible for you to carry out the duties of your job. However, it can be hard to get LTD benefits, especially if your medical condition does not have observable symptoms.
People attempting to recover LTD benefits for so-called “invisible” injuries or illnesses often face undue suspicion and disbelief from their insurance providers. Since “invisible” injuries or illnesses do not present objectively observable symptoms, insurers might deny an eligible claimant’s application for LTD benefits due to a lack of evidence. This can be extremely frustrating and disheartening for people suffering from legitimate medical grievances.
LTD claimants suffering from invisible injuries or illnesses may be in extreme pain and discomfort for extended periods of time, but since their symptoms are experienced subjectively and their severity cannot be observed through medical testing, they may be denied crucial support from their insurance provider. Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:
- Whiplash
- Soft tissue injuries
- Depression
- Anxiety
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia
- Arthritis
- Chronic pain
- Traumatic brain injuries (TBIs)
- And more
Even if an eligible policyholder receives LTD benefits payments for their disabling medical condition, after an arbitrarily determined period of time, their insurance provider might cut off their payments. After two years of providing eligible recipients with LTD benefits, many insurance providers update their definition of the term “disability.” By doing so, they impose even more stringent limitations on people who are still unable to return to the duties of their job because of their severe medical condition.
If you are having difficulty securing the income replacement payments you are rightfully owed by your insurance provider, our Smiths Falls Long-Term disability lawyers may be able to assist you. By working with our Long-Term disability lawyers serving Smiths Falls, eligible benefits recipients may be able to overturn their insurance company’s unfair determination to recover the financial compensation they deserve.
If your insurance policy covers Long-Term disability and your LTD benefits were unfairly denied or terminated, contact our Long-Term disability lawyers serving Smiths Falls today and receive a free initial consultation.
Call 1-800-JUSTICE To Speak With Our Smiths Falls Long-Term Disability Lawyers
To learn more about how our Smiths Falls Long-Term disability lawyers might be able to provide you with assistance, take advantage of your free initial consultation by calling 1-800-JUSTICE today.
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.
More long-term disability Topics
Here’s more information on long-term disability related topics that we think you might find helpful.
long-term disability
|
March 12, 2024
Navigating Long-Term Disability and Long COVID in Ontario
Though the days of lockdowns, vaccine passports and physical distancing seem to be mostly behind us, the risk of contracting COVID-19 is still great. At…
long-term disability
|
January 23, 2024
Caring for the Injured: When Family and Friends Provide Support
Unfortunately, victims of personal injuries are often unable to care for themselves, to complete housekeeping tasks or to do chores around the house the way…
long-term disability
|
December 28, 2023
Managing Winter Stress: Mental Health and Long Term Disability In Ontario
As the chill of winter settles over Ontario, it brings with it a unique set of challenges that can significantly impact mental health. The combination…
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.
INJURED IN AN ACCIDENT IN Smiths Falls?
Book a FREE Consultation
With Our Legal Team Today
Our phone lines are available 24/7
During your free consultation you will find out if you have a case worth pursuing as well as answers to any legal questions you may have.