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

How Is the Long-Term Disability Rate Calculated?


According to the Financial Consumer Agency of Canada, depending on the insurer from which you are receiving your long-term disability payments, the amount you are paid may be calculated at somewhere between 60 and 70 percent of your regular average income. For example, if you make $10,000 a month, you may receive approximately $6,000 to $7,000 per month through long-term disability. The amount you are paid may fluctuate between companies depending on premiums.

If you qualify for Canada Pension Plan – Disability Benefits (CPP-D), the amount you receive from your insurer will be reduced by the amount you receive from the Canada Pension Plan.

Group Long-Term Disability Insurance Programs

Companies offer group long-term disability insurance programs to their employees because it not only helps them recover during a time of need but also leaves the door open for them to come back to the company when they have made a full recovery. Further, some companies offer rehabilitation programs before the employee returns.

How to Proceed with Making Long-Term Disability Claims

While every case is different, you should start moving forward with your long-term disability claim by collecting all the related medical documentation that has accrued over the progression of your ailment. In many cases, an employee may have been on short-term disability before they progressed to the point of needing long-term disability, which may provide a further paper trail. In either case, medical proof is of the utmost importance when filling out the appropriate paperwork to present to the insurer.

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.

Unfortunately, some insurers may try to disprove an employee’s disability claims if there is not adequate evidence. Documenting your injuries or ailments in every conceivable way may help make the process go smoother. In cases where parties are denied their long-term disability claims, some sufferers turn to long-term disability lawyers. These lawyers may help you gather the evidence you need to show the true extent of your suffering and help you determine answers to your questions, such as whether you should qualify for your benefits and, if so, for how long.

Further, these lawyers may give legal guidance when it comes to filling out the appropriate paperwork to satisfy the insurer that you continue to qualify. If an insurer is needlessly denying your claim, you may be within your rights to take legal action against them to protect your right to compensation. Ultimately, every case faces its own unique challenges that may be addressed by staying proactive in your application process and always making sure to report your disability as soon as possible.

Long-Term Disability Lawyers Serving Canadian Workers

Here at Preszler Injury Lawyers, our long-term disability lawyers may fight to protect our clients’ rights in the face of unjust claim denials. No matter what type of disability you are facing and no matter what avenue of long-term disability insurance you are pursuing, our lawyers may be by your side offering you legal guidance on how to move forward. We believe you have gone through enough, and that is why we may be happy to handle the legal side of things while you focus on your ongoing recovery.

Call the team at Preszler Injury Lawyers today at 1-800-JUSTICE for your free consultation. A representative is standing by.

 
TELL US ABOUT YOUR ACCIDENT

We are here 24/7 to address your injury case. You can speak with a lawyer to request a consultation.


or if you prefer fill out online form and we will repond within 24 hours.



Practice Areas

Call us now at
1-800-JUSTICE
®

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
352 Elgin Street,
Ottawa ON
K2P 1M8
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. 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.