If you have recently had your long-term disability claim denied or your LTD benefits cut off, an Ontario long-term disability lawyer can help you get the benefits you deserve. You should speak with a long-term disability lawyer as soon as possible to help you through the process. 

How Does Long-Term Disability Work in Ontario?

In Ontario, individuals can pay for long-term disability insurance either privately or through their employer. They pay a certain amount each month to keep the policy active.

Long-term disability insurance provides a safety net in case a person becomes unable to work for a long period of time due to a disability, injury or other condition. Because it may take some time for long-term disability benefits to kick in, it is a good idea to submit Ontario long-term disability forms as soon as possible.

If LTD benefits are approved, the policyholder won’t start receiving payment until their short-term disability benefits have been exhausted. The amount of payment depends on the LTD policy and the severity of the disability, but is typically a percentage of the person’s monthly wages.

Unfortunately, many insurance companies act in their own financial interest and will deny legitimate claims. They will also sometimes cut off LTD benefits even when a person’s disability prevents them from working. If either of these situations has happened to you, you should speak to a long-term disability lawyer Ontario to find out more about your legal rights and options.

What is the Role of a Long-Term Disability Lawyer Ontario?

A long-term disability lawyer Ontario is knowledgeable about insurance companies and the LTD policies they offer. Lawyers are also familiar with other sources of disability income that you may qualify to receive, such as sick pay from your employer, Employment Insurance Sickness benefits and short term disability benefits.

Long-term disability policies are often complicated or involve vague wording that is difficult to understand. Your lawyer can review your policy to find out if you meet the criteria for benefits and help you understand the long term disability Ontario return to work terms set forth in the LTD policy.

A lawyer can also help you understand the terms of your policy, how to file a long-term disability claim, and how to file an appeal if your LTD claim is denied. A long-term disability lawyer Ontario can also represent your case in court if necessary. Your lawyer will fight for you to get the LTD benefits you deserve.

How Can They Help With Your Long-Term Disability Claim?

If you have suffered an injury, illness or other condition that has left you unable to work for an extended period of time, a lawyer can help you navigate the system and put together a strong LTD claim so that you can get the compensation you deserve.

The most important part of putting together a strong long-term disability claim involves collecting the appropriate documentation from the medical professionals involved in your treatment. This documentation must persuade the insurance company that your disability has rendered you unable to perform your job for an extended period of time.

On a cautionary note: insurers often tell policyholders that they must have a medical examination performed by one the insurer’s medical experts or independent doctors. However, these physicians may not actually have your best interests at heart. They can derail your LTD claim by downplaying the severity of your injury or sickness. Talk to a long-term disability lawyer Ontario if you have concerns about the medical examination process.

A lawyer will also write a notice letter to obtain your employee file from your insurer. Gathering all of the relevant information about your situation and the details of your job responsibilities will help your long-term disability lawyer Ontario develop a strategy to convince the insurance company that you deserve LTD benefits.

Can a Lawyer Help With Ontario Long-Term Disability Forms?

Ontario long-term disability forms can be cumbersome. Because many insurance companies are motivated to deny legitimate claims, it is important that you provide all of the requested information. A lawyer can review your forms and help you avoid some of the common pitfalls that may lead to your claim being delayed or denied.

Who Can Ask for Help?

If you or a loved one has experienced a long-term disability denial or had LTD benefits terminated, you can contact a long-term disability lawyer Ontario for assistance. A lawyer can explain your rights and options and advocate strongly on your behalf so that you can get the benefits you’re entitled to receive.