Applying for long-term disability benefits?

Don’t sign anything until you’ve had a chance to speak with a disability lawyer to make sure you understand what you are signing. The earlier you speak with a disability lawyer, the less chances you’ll make errors when filing your claim.

There are timelines that you need to be aware of when filing these types of claims, so make sure that you are aware of all the deadlines. It is important you seek out healthcare for your injuries or condition(s) as soon as possible and document everything. Always make sure your claim are truthful and honest and don’t downplay your injuries. If your insurance company denies your disability claim, contact our office right away to determine what your options are. Remember, just because your long term disability claim has been denied does not mean that your disability claim is not valid.

Get started with your free consultation. Our legal team that knows the in’s and out’s of long-term disability claims.

I’m Approaching “Change of Definition”

When you first submit a long-term disability claim (or even a short-term disability claim), insurance companies use the “own occupation test” to determine if they will pay out on your policy. As its name suggests, you will be considered “able” (and thus ineligible for insurance as a result) if you can still perform the duties of your current occupation.

After a period stated in your policy, usually around two years, the definition will shift. At that point, your insurer will apply the “any occupation test” to your abilities. At this point, we recommend you consult with a long-term disability lawyer.

Get started with your free consultation. Our legal team knows the in’s and outs of long-term disability claims in Canada.

My long-term disability benefits have been denied

When your long-term disability benefits have been denied, there may still be hope if you are genuinely injured and unable to perform work duties. It is important to understand the terms of your insurance contract to know if you have been wrongfully denied. To understand the terms of your contract, you can take advantage of a free consultation with a long-term disability lawyer. Doing so can help you determine whether your claim has been wrongfully denied and learn about what steps to take to fix your situation.

This is where our long-term disability lawyers come in.

Get started with your free consultation. Our legal team knows the in’s and outs of long-term disability claims in Canada.

I need help with appealing my long-term disability denial:

Unfortunately, many insurers can deny your long-term disability claims and this happens more often than you think. Luckily the justice system allows for you to appeal your insurer’s decision. When this happens, we recommend you consult with a long-term disability lawyer to go over any options you have and also to help prepare your appeal with relevant documentation. Rest assured, there may be hope – and that’s where our long-term disability lawyers are ready to help. If you are truly unable to work due to your injuries, legal recourse may be available to you.

Get started with your free consultation. Our legal team knows the in’s and outs of long-term disability claims in Canada.