London Long Term Disability Lawyer
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Certain insurance plans include coverage for Long-Term disability (LTD) benefits. Policyholders whose insurance plans include this coverage might be eligible to submit a claim for LTD benefits after sustaining a serious injury, developing a chronic illness, or being diagnosed with a severe mental health disorder if their newly acquired medical condition makes it impossible for them to continue working.
In order for an eligible policyholder to apply for LTD benefits, they must first exhaust all other benefits available to them through their insurance plan. These might include short-term disability benefits or Employment Insurance (EI) sickness benefits.
LTD benefits are not designed to replace a recipient’s entire regular income. Instead, policyholders whose claims for LTD benefits have been approved receive between 60-70% of their normal earnings. These monthly payments provide a source of much-needed financial stability to people who cannot continue working because of the injury they have sustained or the illness they have developed.
Before submitting an application for LTD benefits, claimants must be able to prove that:
- They have received a diagnosis for a disabling medical condition
- They have received ongoing medical treatment for this condition
- Their condition requires them to continue seeking medical treatment
- Their medical condition makes it impossible for them to perform the specific duties of their job
- And possibly more
To substantiate their claims, applicants may be required to include a substantial amount of evidence, proving the severity of their medical condition and the preventative impact it has on their abilities to continue performing the duties of their jobs. Examples of evidence that might be useful to include in an application for LTD benefits include:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- A detailed description of job duties
- A statement from plan sponsor (i.e. employer)
- Other documentation
However, even after providing insurance providers with a robust portfolio of substantiating evidence, eligible policyholders might not be granted the income replacement payments to which they should be rightfully entitled. Unfortunately, insurance providers often find reasons to deny applicants’ claims for LTD benefits, and these reasons are not always easy to comprehend.
Insurance companies are not legally required to share information about what percentage of LTD claims are denied across the country every year. But, by inspecting how many disability claims are annually turned down by the Canada Pension Plan (CPP), it can be presumed that more than half of all LTD claims submitted to Canadian insurance companies are initially denied.
If your claim for LTD benefits has been turned down and the payments you deserve have been withheld, you are not alone. And, even though everyone whose claim is denied by their insurer should have the chance to appeal their initial decision, standing up for your rights without the assistance of a London Long-Term disability lawyer can feel like an unwinnable fight.
Our Long-Term disability lawyers serving London pride ourselves in fighting on behalf of our clients’ best interests. To discuss your situation with our London Long-Term disability lawyers and receive personalized legal advice based on the unique circumstances of your case, contact Preszler Injury Lawyers today and receive a free initial consultation.
Call 1-800-JUSTICE For Your Free Initial Consultation
At Preszler Injury Lawyers, we know that the process of appealing a denied LTD benefits claim can seem complicated and confusing. Our London Long-Term disability lawyers leverage our decades of experience dealing with insurance companies to help our clients try and recover the maximum amount of damages owed to them.
To learn more about how our Long-Term disability lawyers serving London might be able to provide you with crucial legal assistance, call 1-800-JUSTICE and schedule your free initial consultation.
Do you live in London? 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.
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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
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.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN LONDON?
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