Sudbury Long Term Disability Lawyer
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Depending on your level of insurance coverage, if you have sustained a severe injury that prevents you from working, or if you have developed a physical or mental illness that makes it impossible for you to carry out the duties of your job, you might be eligible to collect Long-Term disability (LTD) benefits. You may be able to access LTD benefits through your employer’s group insurance plan, or through a private insurance policy you pay for privately.
If you are eligible to collect LTD benefits, the monthly payments you receive will not cover the total amount of wages you have lost as a result of being unable to work. Instead, LTD benefits typically replace between 60-70% of a recipient’s regular wages, and might even be subject to certain payment caps, depending on the terms and conditions of your insurance policy. While LTD benefits only provide recipients with a portion of their normal earnings, these payments can be crucial sources of income for people who are living with a disability.
Policyholders filing claims for LTD benefits must first exhaust all other benefits available to them. These might include short-term disability benefits as well as Employment Insurance (EI) sickness benefits. Furthermore, in order to qualify for LTD benefits, policyholders whose plans include adequate levels of coverage are usually required to submit substantiating medical evidence along with their applications. The supplementary evidence you include in your application should be able to prove that:
- You have received an official diagnosis for a disabling medical condition
- You have been receiving prolonged medical treatment for this condition
- Your condition requires you to undergo ongoing medical treatment
- As a direct result of your medical condition, you are unable to perform the duties of your job
- And possibly more
Unfortunately, even if you are able to provide your insurance company with thorough, objective proof that your newly acquired medical condition prohibits you from completing the tasks associated with your occupation, your insurance provider may still decide to deny your claim for LTD benefits. Few experiences are more discouraging and anxiety-inducing than learning that your insurance company will not provide you with the coverage you need to continue living your life when a disabling medical condition makes it impossible for you to earn your regular wages.
If your claim for LTD benefits was denied even though your medical condition should entitle you to receive them, our Sudbury Long-Term disability lawyers may be able to provide you with crucial legal assistance. By working with our Long-Term disability lawyers serving Sudbury, you may be able to recover compensation for:
- Benefits payments that have been previously withheld
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
To learn about legal options for financial recovery that might be available to you, schedule a free initial consultation with our Sudbury Long-Term disability lawyers by calling 1-800-JUSTICE.
Contact Preszler Injury Lawyers Today
Our Long-Term disability lawyers serving Sudbury offer all prospective clients a cost-free, no-obligation first meeting. During this free initial consultation, you will have the opportunity to review the details of your case and receive personalized legal advice.
To take advantage of your free initial consultation with our Long-Term disability lawyers serving Sudbury, contact Preszler Injury Lawyers today.
Do you live in Sudbury? 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
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 SUDBURY?
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