Long Term Disability|Personal Injury Lawyers

Long Term Disability

If you have an insurance policy that provides long-term disability (LTD) benefits, whether through your employer or one you purchased yourself, we hope you never have to use it. If you do become injured, very sick, or disabled, you should be able to rely on your long-term disability insurance policy being there when you are no longer able to work.

Many people apply for long-term disability benefits, and their insurance company denies their claim. Sometimes a person’s own doctor will diagnose them as being disabled and unable to work, but the insurance company will deny the claim without relevant medical evidence.

If you or someone you love has a long-term disability claim that has been denied, our team of experienced personal injury lawyers can help you get the benefits you're entitled to under the contractual policy.

In our years of experience, insurance companies almost always deny disability claims, often without a clear reason. If your long-term disability benefit claim has been denied and you have been diagnosed with any of the following conditions, you should contact our office immediately for a free consultation:

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Depression

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Anxiety

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Post Traumatic Stress Disorder

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Chronic Pain Syndrome

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Fibromyalgia

When you need to use your long-term disability benefits there are a lot of factors to consider. You must know if you are eligible for benefits, how much the benefits will pay, and often most importantly, how to get the insurance company to actually make the payments that you are owed.

To qualify for long-term disability benefits, you must be off work for a “qualifying period,” which can range from 90 to 180 days. LTD claims can cover 50-80% of your pre-disability salary, typically until you are 65. These details are conditional upon the contractual wording of your policy and are critical to your claim. Depending on how your policy is structured, whether it's employer- or employee-funded, different tax implications may apply. This can directly affect how you manage your living and medical expenses.

Every insurance policy is different, with unique conditions that can make the process incredibly challenging to work through alone as you deal with your injuries. An important distinction applies whether you are disabled in your “own occupation” or in “any occupation,” which can significantly affect your claim. When someone is considered disabled in their “own occupation,” it means they can no longer perform the job they did before the disability. Where one is considered disabled in the sense of “any occupation,” they are considered incapable of performing the essential tasks and duties of any occupation at all. This is a critical distinction and another reason you should hire our team of skilled lawyers who understand the long-term disability process.

Another important factor is when to file a lawsuit after the insurance company refuses to pay your benefits. Generally, you must bring your lawsuit within two years of the first denial. If an insurance company refuses to pay any benefits, contact us right away.

Our team will work with you through the entire process, dealing with your insurer and medical experts, and handling the administrative work involved.

Let us help you every step of the way. We will ensure you get the right treatment and monetary compensation you deserve. Call ROMERO LAW FIRM today for a no-pressure, free-of-charge consultation.

This article and this website is for information purposes only and does not constitute legal advice. This information provided should not be used as a substitute for obtaining legal advice. You should always consult a suitably qualified Ontario lawyer regarding any specific legal problem or matter and not rely on the content of this article. Nothing on this site is intended to create a lawyer-client relationship, and nothing posted constitutes legal advice. We cannot guarantee that the information is accurate, complete or up to date.