Whether or not a move may cause a problem with your Ontario long-term disability benefits depends greatly on the details of your policy. To learn the stipulations related to relocation, you may need to speak with someone from your employer’s human resources department, contact your insurance carrier, or closely review the policy.
Generally, you can move while on long-term disability to another neighborhood or even another city in the same area with most long-term disability carriers without any issues. As long as you remain in Canada and in the same province, there may not be any problem.
Moves within Toronto or Nearby Areas May Not Affect Your Benefits
While insurance carriers may take several approaches to how they handle relocations, most are unlikely to have a problem with a short move that does not take you too far away from your medical care providers or your employer. If you are considering a move to the Toronto suburbs, moving in with a family member nearby, or making a similar move, there is likely nothing in your policy to prevent it.
In fact, there may be some situations when moving might make it easier to get to your medical appointments and continue your treatment, or closer to work if you are able to return. Your policy may have wording that requires you to notify the insurer of your move, but it is unlikely to affect your benefits. However, it is always a good idea to double-check.
Moves Out of the Province or Country May Be More Difficult
While most long-term disability insurance carriers allow for short moves, longer relocations that take you to another province or another country may be a different story. Depending on the policy, the insurance carrier may require that claimants:
- Live in Canada; or
- Live in Ontario
At the same time, there may be additional stipulations about continuing to see your doctor and continuing your treatment or remaining able to return to work if you become medically eligible. Moving may cause you to violate one of these clauses if they exist in your plan and your insurance company has not approved your move.
It is recommended, especially if you plan to move while on long-term disability to another province, to the United States, or to another country, that you discuss the residency requirements and other details of your policy with someone from your human resources team or a representative from your insurance company. There may be no issue with your move, but you may want to check to be sure before you finalize your plans. In many cases, the insurer will take issue with leaving the province, especially if they believe that your disability does not prevent you from working.
A Toronto Long-Term Disability Lawyer May Be Able to Help You with Concerns About Your Benefits
If you have questions or concerns about a Toronto long-term disability denial or if you stopped receiving benefits and believe you still qualify, you may be able to learn more about your policy and options by speaking with an Ontario long-term disability lawyer. At Preszler Injury Lawyers, a member of our team may be able to review your case today.
If your insurance carrier wrongly denied your long-term care benefits or cut off your benefits too soon, you may qualify to file an internal appeal, or you may need to file a lawsuit in the event their denial is maintained. However, there are strict deadlines for taking this type of case to court in the Limitations Act of 2002, according to the Government of Ontario.
Reach out to us as soon as you receive notice of your denial or a change in your benefits so you do not miss this deadline. We may need to conduct a full review of your case and gather the necessary evidence to support your claim if you qualify to file an appeal.
Talk to a Member of the Preszler Injury Lawyers Today
The details of your Toronto long-term disability policy may be confusing and complex. Things that you did not even consider may affect your benefits. If you have questions or concerns about a claim denial or other issues with a reduction or cancellation of your benefits, reach out to our Ontario long-term disability legal team today.
Our lawyers serve all of Ontario. We may be able to review your plan and help you learn more about your options, if you qualify to take action, to seek benefits, or other compensation. If your illness or injury prevents you from traveling to our office, we may be able to come to you.
You may be able to talk to a member of our team now. Call Preszler Injury Lawyers today at (416) 364-2000 to learn if we may be able to help you with your long-term disability insurance concerns.