Orillia Long Term Disability Lawyer
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If you have been severely injured in an accident or have developed a chronic physical or mental illness, depending on your level of insurance coverage, you might be able to access Long-Term disability (LTD) benefits if your condition makes it impossible for you to continue working. LTD benefits provide between 60-70% of a recipient’s regular income to help them through this challenging moment in their lives.
Unfortunately, even if you provide your insurance company with sufficient medical evidence proving the severity of your medical condition and the preventative impact it has on your ability to complete the duties of your job, it might be hard to get the benefits you are rightfully owed. That is because insurance companies frequently look for reasons to deny the LTD benefits claims of even eligible policyholders in good standing.
In order to apply for LTD benefits, eligible insurance policyholders with a sufficient level of coverage 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 do so, they are generally required to supply their insurance companies with thorough, compelling medical evidence proving that their medical condition makes it impossible for them to complete the tasks required of their job. Some evidence they might be required to supply includes:
- 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
But even after providing their insurer with a robust, exhaustive portfolio of objective medical evidence substantiating their claims, insurance companies might still deny the applicant’s claim for LTD benefits. For people living with a disability struggling to support themselves and their families, receiving a denied claim for LTD benefits can be more than disheartening; it can create legitimate financial anxieties. Unable to return to work and unable to make ends meet, denied LTD benefits claimants could find themselves in disastrous financial circumstances.
Even though all policyholders whose claims for LTD benefits have been denied should have the opportunity to appeal their insurer’s decision, standing up to a large, monolithic insurance company can seem like a daunting task. Without proper assistance, standing up for your rights and the payments you deserve can feel like an insurmountable challenge, especially while coping with a disabling medical condition.
If your claim for LTD benefits was denied even though your medical condition should entitle you to receive them, our Orillia Long-Term disability lawyers may be able to provide you with crucial legal assistance. By working with our Long-Term disability lawyers serving Orillia, you may be able to recover compensation for:
- Benefits payments that have been previously withheld
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
To learn about legal options for financial recovery that might be available to you, contact us online or schedule a free initial consultation with our Orillia Long-Term disability lawyers by calling 1-800-JUSTICE.
Don’t Hesitate – Call Our Long-Term Disability Lawyers Serving Orillia Today
There is no fee to take advantage of an initial, no-obligation consultation with our Orillia Long-Term disability lawyers. On top of that, if you are eligible to pursue legal action, you will not be required to pay for our services unless we win your case.
To take advantage of your free initial consultation with our Long-Term disability lawyers serving Orillia, contact Preszler Injury Lawyers today.
Do you live in Orillia? Here’s how we can help:
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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
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 ORILLIA?
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