Trenton Long Term Disability Lawyer
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Table of Contents
Certain companies or businesses offer their employees group insurance plans covering Long-Term disability (LTD) benefits. Those who are unable to access this coverage through their employer’s group plan may choose to purchase their own private insurance policy. With the right insurance, policyholders who develop chronic physical illnesses, sustain severe injuries, or are diagnosed with debilitating mental health disorders might be able to access crucial financial support.
Receiving a medical diagnosis for a disabling physical or mental condition can be one of the most challenging experiences a person might be forced to undergo throughout their entire lives. Without a secure, stable source of income, people who cannot continue working through no fault of their own might find themselves facing financial disaster.
Monthly LTD benefits payments can be vital sources of income for people who, through no fault of their own, are no longer able to carry out the tasks of their job. Typically replacing between 60-70% of a recipient’s normal earnings, LTD benefits can help struggling policyholders make ends meet during a difficult and frightening chapter of their lives.
Sadly, insurance providers frequently deny eligible policyholders’ claims for LTD benefits. In fact, based on both anecdotal evidence and the number of Canada Pension Plan (CPP) disability claims that are denied each year, it can be ascertained that more than half of all LTD claims submitted across the nation are initially declined by insurance providers.
Additionally, even applicants whose claims for LTD benefits have been approved might encounter difficulties with their insurance provider after receiving disability coverage for twenty-four months. After this arbitrarily determined length of time, many insurance providers update their definition of disability, disqualifying many LTD benefits recipients from continuing to receive their coverage.
Many disabling medical conditions do not improve over the course of two years. Even though their insurance plan’s terms and conditions have changed, the severity of their medical conditions could very easily remain the same. LTD benefits recipients might still be unable to return to work in their occupational field, and yet their income replacement payments could be terminated, regardless.
At Preszler Injury Lawyers, our Long-Term disability lawyers serving Trenton are committed to helping our clients navigate the often complicated and confusing process of appealing an insurance provider’s unfair decision. If your claim for LTD benefits was unfairly denied, or if your payments were terminated prematurely, our Trenton Long-Term disability lawyers may be able to help you recover the compensation to which you are rightfully entitled. In many cases, this compensation includes payments for:
- Previously denied benefits payments
- Legal fees
- Damages incurred because the claim’s initial denial
- Punitive damages
- And possibly more
Book Your Free Initial Consultation With Preszler Injury Lawyers Today
By taking advantage of a free initial consultation with our Long-Term disability lawyers serving Trenton, even if you are unsure whether you might be eligible to fight your insurer’s unfair decision, you will have the opportunity to review the circumstances of your case with Preszler Injury Lawyers and receive specific, personalized legal feedback about options that might be available to you at no cost whatsoever.
To book your free initial consultation, contact us online or call 1-800-JUSTICE today.
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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
How long will it take to settle my case?
The duration of a long-term disability case can vary depending on a number of factors, including the reasons provided for the claim’s denial, the policyholder’s standing with their insurance provider, the complexity of the claimant’s case, the willingness of the insurance company to negotiate, Court availability, and other considerations. Generally speaking, it can take between 1-3 years for a fair resolution to be reached.
How much will I pay in lawyers’ fees?
Our long-term disability lawyers work on a contingency fee basis. That means we only get paid if the case is won, and our fees are based on a percentage of the compensation awarded. You will not be required to pay any upfront fees out-of-pocket in order to pursue legal action.
How long do I have to sue?
The statute of limitations for a long-term disability lawsuit in Ontario is generally two years from the date of the denial of benefits or the last payment of benefits. However, depending on the circumstances of the case, the lawsuit could be subject to additional time limitations. It is crucial to speak with a long-term disability lawyer as soon as possible, so as to not jeopardize your chances of recovering the compensation you deserve.
Do I have a strong case?
The answer to this question depends on the facts of your individual case. Our Ontario long-term disability lawyers should be able to evaluate the terms of your policy, review the evidence available to you, and consult with medical experts to assess the strength of your claim.
How much compensation will I get?
It is almost impossible to predict the specific amount of compensation you might be entitled to, however after reviewing the details of your case, our Ontario long-term disability lawyers may be able to provide you with an estimate that you could reasonably expect to be offered. The decision to accept settlement offers is yours and yours alone.
Do you represent insurance companies?
No, our long-term disability lawyers are solely committed to protecting the rights of policyholders who have been unfairly treated by insurance providers.
Will the insurance company continue to pay my disability benefits after we settle the case?
The answer to this question depends on the terms of your individual settlement. In most cases, the settlement will include a lump sum payment for past and future benefits. After agreeing to these terms and accepting this settlement offer, future benefits will no longer be paid. However, in some scenarios, insurance companies may only offer to settle for past benefits owing and might agree to continue paying benefits after the case is settled until the terms of the policy are reached.
Should I speak to the adjuster on my file after my benefits have been terminated?
It is not recommended that you speak to the adjuster on your file after your benefits have been terminated. Anything you say could be used against you. That is why it is best to consult with our long-term disability lawyers before communicating with your insurance company.
Got more questions?
If you have more questions or need legal help regarding long-term disability claims, contact our legal team for help.
We’re happy to help.
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