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.
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.