Long-term disability benefits provide those who are unable to work due to illness or injury with income replacement and coverage for medical expenses and treatment. Every policy is different but most require that a person endure a “qualifying period”, submit an application, update medical applications, and participate in treatment or rehabilitation. If you are looking for a long-term disability lawyer in Toronto, contact AvaGio Law now.
What You Need To Know
Long-Term Disability Insurance
The primary goal of disability insurance is to protect you in case you become disabled or sick, when you may no longer be able to work and generate income. A disability insurance provider will compensate you for 60 percent to 85 percent of your total lost income. Keep in mind that this insurance policy often imposes limits on the specific amount paid over a specified period.
Entitlement to disability benefits is highlighted in each policy, and disability insurance policies vary from one organization to another. For this reason, you must understand how the term ‘disability’ is defined in your policy and how long you must wait before you start getting disability benefits. If you’re unsure of the specific terms of your disability insurance policy, it is recommended to contact an experienced long-term disability insurance lawyer at AvaGio. We have many years of experience litigating long-term disability insurance in Toronto benefits claims. Indeed, we can help you understand the relevant law and help you recover the amount of compensation you’re entitled to.
Short-Term Disability Insurance
What It Is and How It Can Protect You?
Generally, short-term disability insurance (STD) will protect you for a period of six months if you’re unable to work due to injury or illness. Some employers offer short-term disability insurance policies for their workers. If your employer chooses to participate in your short-term disability insurance, you would have to apply for the disability benefits through that policy. Employment Insurance Illness Benefits may be available if you don’t have access to disability insurance benefits through a group disability insurance policy.
Keep in mind that sickness benefits take effect only once you have worked a specified number of hours. Also, you must have exhausted your sick leave to be eligible for these benefits. Before signing up for any short-term disability policy, it’s essential to evaluate the benefits and costs. Determine the amount you will be paying each month and the specific amount you will receive as disability benefits. Remember to check if the given numbers are already adjusted for inflation.
HAVE A DISABILITY?
Our Toronto Long-Term Disability Lawyer Can Help You
Letters from your long term disability insurer can often be unclear and contain ambiguous terms. Our personal injury lawyers have thorough experience with these cases understanding of disability policies and interpretive case law.
Here’s why you should call our long-term disability lawyer for help with your disability benefits:
- We give you reliable representation
- We deal with the legal work so you can focus on your recovery
- We keep you apprised of any and all updates on your case
- We give your case the attention and focus it deserves
LTD Claim Denials
How Our LTD Lawyer Can Help?
Long-term disability claims are often denied for many reasons. For instance, the specific health condition may not be covered, you failed to provide sufficient information or medical evidence, or the insurance company believes you are lying. If you were recently denied your long-term disability benefits, it’s imperative that you consult with an experienced long-term disability lawyer. They will help you figure out all your legal options and the best way to proceed. This will ensure your rights are protected and that you get the amount of compensation you are entitled to.
Generally, the process of establishing a disability claim against an insurance company is challenging and complicated. However, we have legal professionals who will work with you every step of the way to ensure that you get the disability insurance benefits you deserve.
Why Permanent Disability Can Be Terminated
What Our LTD Lawyer in Toronto Can Do About It
If you are receiving long-term disability benefits, your insurance provider can terminate those monthly payments for a variety of reasons. These reasons include:
Time limitation on chronic and mental health conditions: Most policies have a 24-month limitation on various disabilities arising from nervous, psychological, and mental impairments. Get to know the specified time limits of a given policy before you sign up.
Failure to apply for disability benefits (social security benefits): Suppose you have been approved for long-term disability benefits. Your policy may require you to apply for social security insurance benefits. This is because insurers are allowed to offset social security disability insurance payments against long-term disability benefits. Your LTD benefits can be terminated if you don’t apply for SSD benefits.
Other reasons your long-term disability benefits may get terminated include failure to continue with medical treatment, engaging in inconsistent activities with your impairment, ageing out of your current coverage, and more. Suppose your disability benefits were recently terminated unfairly. In that case, our long-term disability lawyers in Toronto are ready to fight for your rights to get the disability benefits you are entitled to.
Appealing a Denied LTD Claim
You Can Trust Our Long-Term Disability Lawyers To Help You
If your disability benefits application has been denied, you shouldn’t give up hope. You can take essential steps to appeal that decision and get the disability benefits you are entitled to. First, the appeal process requires you to file a request for consideration. Keep in mind that this is a complicated process, and having an experienced long-term disability lawyer by your side may make a significant difference during the entire appeal process.
Your long-term disability lawyer will review the facts regarding your claim to prove your disability and assist you in getting your claim approved. Indeed, lawyers work with clients to gather sufficient evidence to prove that a disability claim meets the relevant tests for disability in accordance with the disability insurance policy wording. If your case goes to the hearing, it may involve a medical expert who can advise the court regarding your injuries or illness and limitations of working.
ADVOCACY YOU NEED
Our Long-Term Disability Team Will Have Your Back
Also, statements provided earlier on to your insurer or employer can be crucial to your ongoing entitlement to benefits.
If your application for long-term disability benefits has been denied or if your benefits have been terminated during a period of time where you are unable to return to work, call us now for a free consultation.
Get in touch with our professional team of long-term disability lawyers in Toronto, when you need help with benefits for your disability.
CONTACT OUR LONG-TERM DISABILITY LAWYER IN TORONTO TODAY
Our firm has built its reputation on exceptional client service and results. Give us a call today and let’s talk about getting you the professional representation you deserve.
Fill out the contact form to the right if you would like to speak with someone about your case. After you hit submit, a representative from our office will contact you promptly.