Elliot Lake Long Term Disability Lawyer
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Employers that sponsor group insurance plans for their staff pay monthly premiums to insurance companies so that, in case their employees need to rely on their coverage to help them through a challenging and frightening time, they will be able to access the benefits they are owed without undue suspicion, scrutiny, or disbelief. The same goes for individuals who buy into privately held insurance policies. The people who pay premiums for insurance coverage should be able to access it when they need it.
Unfortunately, that is not always the case. Insurance companies often look for reasons to turn down Long-Term disability (LTD) benefits claims from eligible policyholders and withhold the payments to which they are rightfully entitled.
LTD benefits are not available in all insurance plans. However, those whose insurance policies provide disability coverage might be able to qualify for monthly income replacement payments when an illness, injury, or mental health condition makes it impossible for them to continue carrying out the tasks associated with their jobs.
If you cannot continue earning your normal wages because you have been diagnosed with a severe, disabling medical condition, LTD benefits could help you retain a degree of financial stability during a fraught and challenging time in your life. LTD benefits typically cover between 60-70% of a recipient’s regular income, an amount which might be subject to payment caps based on the policyholder’s salary or average monthly earnings.
If your claim for LTD benefits has been denied, the idea of standing up to a big insurance company can seem intimidating, especially for people doing their best to endure the day-to-day struggles of living with a disability. Many people think picking a fight with an insurance company will be a long, expensive, and ultimately fruitless process. Oftentimes, people whose claims for LTD benefits have been denied simply walk away from the fight rather than standing up for the fair treatment they deserve.
Our Elliot Lake Long-Term disability lawyers are committed to working on behalf of mistreated policyholders in the community to help them recover the accountability and financial compensation they are duly owed. By working with our Long-Term disability lawyers serving Elliot Lake, you might be able to recover costs related to:
- Previously denied benefits
- Legal fees
- Damages incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
Schedule Your Free Initial Consultation With Our Elliot Lake Long-Term Disability Lawyers
Many people who can no longer work or earn their regular salaries rely on LTD benefits to cover their most basic costs of living. As such, the prospect of paying large sums of money to try overturning their insurance provider’s unfair decision can seem illogical.
However, our Elliot Lake Long-Term disability lawyers work on a contingency-fee basis. That means, if you are eligible to pursue legal action against your insurer, you will not be charged a cent unless we win your case. Our fees will be based on a percentage of the total amount of compensation you are awarded. By making our services available in this manner, you can focus all your energy on coping with your medical condition while we devote our resources to your case.
If your claim for LTD benefits was denied, take advantage of a free initial consultation with our Elliot Lake Long-Term disability lawyers.
Do you live in Elliot Lake? Here’s how we can help:
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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
What happens if my employer terminates my employment while on disability?
Even if your job ends, your LTD coverage usually continues as long as the policy remains in effect. Employers cannot simply terminate coverage because you’re receiving LTD benefits.
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.
Do I need to apply for CPP Disability if I have private LTD?
Many policies require you to apply for CPP Disability. Any CPP payments usually reduce what your insurer pays.
What happens if my condition improves?
If your condition improves, the insurer may review your claim. They could reduce or stop benefits if you’re able to return to work.
How long do LTD benefits last in Canada?
LTD benefits may last a fixed period or until age 65, depending on your policy.
Can I work part-time while receiving LTD benefits?
Some policies allow part-time work, but the insurer may reduce your payments based on your income. Always check your policy before accepting any part-time role.
What if my condition worsens after my claim is approved?
If your disability worsens, you may qualify for increased benefits or extensions. Updated medical records and assessments help support these changes.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN ELLIOT LAKE?
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