Toronto Cardiovascular Conditions Lawyer
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Cardiovascular conditions come in many forms, from high blood pressure to congestive heart failure. Some allow you to return to work after your recovery, such as after a minor heart attack, while others may keep you out of work indefinitely, like chronic obstructive pulmonary disease (COPD) or a severe stroke. They may be related to other conditions like diabetes and may contribute to the development other various disabilities.
If you suffer from a serious cardiovascular condition, your medical care might include complex treatments, surgery, and lifestyle changes. Any one of these things may make it impossible to continue working, and when it does, you are entitled to recover your Long-Term disability (LTD) benefits.
An experienced lawyer can help disabled individuals file a cardiovascular condition Long-Term disability claim in and around Toronto. A Toronto cardiovascular conditions long term disability claims lawyer can build a solid case that proves that you meet the criteria to qualify for LTD benefits.
Building A Claim
When you apply for disability benefits, you will first receive short-term disability benefits. Once those expire after a couple of months, you can apply for a Toronto cardiovascular condition Long-Term disability claim.
To get LTD benefits, you first need to prove the existence of your condition. You may have a diagnosis from your doctor, but you need to continue with treatment and follow-up exams to ensure you are trying to get better. The insurance company wants to see a documented medical history that shows you are seeking treatment. Medical experts can also testify regarding your condition and its effects on your health.
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Preventing Employment
You must also prove that the symptoms you experience because of your cardiovascular condition prevent you from working in your current profession.
Cardiovascular conditions may keep you from performing strenuous activity that may place stress on your heart and the rest of your cardiovascular system. In some cases, poor cardiovascular health may increase the risk of amputation, especially in diabetic patients, which can keep you from working.
Along with your doctor’s notes on your symptoms and impairments, your employer can be a source of important evidence. An employer can provide a description of your job duties or a record of the time you had to miss from work due to your cardiovascular condition.
To continue your Long-Term disability benefits after two years, you must prove that your disability not only prevents you from working in your current profession, but any profession. The insurer will reevaluate your condition and its limitations. This may mean providing further evidence about your condition and the limitations it places upon you to prove you are unable to work.
Along with those mentioned, a cardiovascular conditions long term disability claims attorney in Toronto can gather evidence from:
- Medical experts
- Vocational experts
- Your personal journal
- Diagnostic tests
Challenging The Claim
It is not in the insurance company’s interests to approve your Toronto cardiovascular condition LTD claim and pay you Long-Term disability benefits indefinitely. All insurance companies will review your case and evaluate your condition and ability to work. Some insurers might attempt to fight your claim so they can reduce the benefits they pay you or deny our claim altogether.
Some of the most common challenges to cardiovascular claims are:
- Your condition is not disabling enough to keep you from working (in your current profession and, after two years, in any profession.)
- Your condition could improve with better treatment
Fighting back when facing these challenges means providing evidence to support your case. A lawyer will deal with the insurance company directly to address any reasons they might provide to deny your cardiovascular condition Long-Term disability claim in Toronto. In some cases, this means getting additional evidence to address their concerns.
A cardiovascular condition long term disability claims lawyer in Ontario might seek second opinions from other doctors to show you are following the standard course of treatment, yet not improving and thus still unable to work.
Contacting A Lawyer
There are many ways a Long-Term disability claim can go wrong, but you can take action to present a solid case that establishes that your cardiovascular condition prevents you from working.
It is imperative that you contact a lawyer and find out what they can do for you. A Toronto cardiovascular conditions long term disability claims lawyer will provide legal help and guidance for all aspects of your Toronto cardiovascular condition Long-Term disability claim, from the initial filing to appealing a denied claim.
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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.
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