Long-Term Disability Insurance Lawyers
When a serious medical condition prevents you from working, long-term disability (LTD) benefits provide an income supplement and can help you maintain your living standard while you focus on your recovering your health. Every eligible Canadian qualifies for some form of LTD benefits where they are warranted.
What are LTD Benefits?
Disability insurance may be available through your employer, private insurance (if you have any) or otherwise through the Canada Pension Plan. Long-term disability (LTD) benefits provide some income replacement if you are an insured worker and are completely off work or you can only work part-time for a prolonged time due to an extended illness or debilitating injury. To be eligible for LTD benefits, you must meet the criteria of the specific insurance policy. You may need to work for the employer for a certain time period and work full-time, and you may need to be totally disabled from returning to any job.
Short term disability (STD) may be provided from your employer before a LTD policy begins if you meet the policy criteria, such as being unable to perform the essential duties of your own job.
Unfortunately, the process for obtaining these benefits can be overwhelming. To successfully navigate application forms, hearings and appeals within the short time period allowed, you should consult with an experienced long-term disability insurance lawyer in Oakville, Huntsville, Toronto, and across Southern Ontario.
Navigating Long-Term Disability Insurance Claims
If you are unable to work because of an extended illness or debilitating injury, it is reasonable to seek some form of assistance to uphold your quality of life while you recover. If you are eligible for LTD benefits, an experienced insurance lawyer can help you with the forms, obligations and process.
Contact a Disability Insurance Lawyer at Will Davidson LLP
At Will Davidson LLP, our lawyers are advocates for individuals whose long-term disability claims have been denied, delayed or terminated. We have 10 locations across Southern Ontario including Toronto.
Contact us today for a free, no-obligation consultation to learn more about how we may be able to assist you with your disability insurance claim.