Victoria Long-Term Disability Lawyer

Your decision to purchase disability insurance, or maintain it through your job’s group plan, may seem futile when your provider denies or prematurely terminates your benefits. Most individuals in Victoria do not plan on being injured, and not all of us have a large savings account to pull from when we cannot work for a period of months or years. In fact, over half of Canadians only have $10,000 or less in emergency savings, while 24% of Canadians have no emergency funds at all, according to Statistics Canada. 

Long-term disability (LTD) insurance is supposed to cover your bills when you get injured for a prolonged period, such as mortgage payments, rent payments, food, gas, and more. These income replacement benefits may cover as much as 60% to 70% of your pre-disability income when approved. 

Unfortunately, when your insurance provider wrongfully denies or terminates your coverage, it can add a massive headache to the already troubling problem of being injured and out of work. At Preszler Injury Lawyers, our Victoria long-term disability lawyers help residents pursue the benefits they need while they cannot work. To explore your legal options with our team, schedule a free consultation today.

What Can Our Victoria Long-Term Disability Lawyers Do for You?

Insurance companies sometimes prioritize profits over the best interests of their customers. This often comes at the expense of injured or ill individuals, who have diligently paid their premiums or performed their occupational duties (if insurance was provided through an employer). 

At our firm, our Victoria long-term disability lawyers can help you by negotiating with your insurance company or by applying legal pressure to force their hand when they are in the wrong. 

Insurance companies all have different definitions of what it means to be “disabled.” They may try to negate their responsibility to pay your benefits by arguing that your injury or illness does not fall under the policy conditions. Our Victoria LTD lawyers understand how to decipher the fine print of your insurance policy, and will make sure that your provider is held accountable for providing the benefits you need. 

Our team can also work with physicians to properly diagnose your disability and gather all necessary evidence and paperwork to ensure that your benefits are not terminated early or denied outright at the start..

Common Injuries and Illnesses in Victoria That Result in LTD Claims

People get injured in all types of ways. From slipping down a walkway step to traffic collisions, long-term disability insurance is there to provide victims with a financial boost when work wages stagnate due to injuries. 

Common causes for long-term disability claims include:

• Paralysis;
• Traumatic brain injury;
• Chronic back pain caused by a damaged spinal column, bulging disc, or pinched nerve;
• Hearing loss;
• Eyesight loss;
• Broken limb bones;
• Crushed hand or fingers;
• Torn ligaments;
• Fractured ribs;
• Whiplash;
• Mental disability;
• Depression;
• Anxiety;
• Chronic pain;
• Fibromyalgia;
• Neurological disorders;
• And more

PUT OUR EXPERIENCE TO WORK FOR YOU

Tell Us About Your Case

For more than 60 years, Preszler Injury Lawyers has been helping people across British Columbia pursue the compensation they deserve for their long-term disability claims. As one of the country’s longest-standing personal injury law firms, our practice is devoted entirely to injury law and helping accident victims–it’s all we do.

Schedule a free consultation today to speak with our award-winning personal injury lawyers and find out if you have a case. Our legal team is available 24 hours a day, 7 days a week to take your call.

1-844-373-8202

Access to Canada Pension Plan (CPP) Disability Benefits in Victoria

The Canada Pension Plan (CPP) is a form of disability payment that qualified individuals, who have paid enough contributions to the program, are entitled to when they become disabled. According to the Government of Canada, disabilities need to be both severe and prolonged to qualify for benefits. A severe injury is one that renders you either physically or mentally unable to work regularly in substantial gainful employment. Prolonged means that the long-term condition is expected to be permanent or end in death.

If you are denied private disability benefits, it is important to apply for CPP disability benefits to ensure you have some money coming in while we work to dispute the denial with your insurance company. If you need help assessing your eligibility or submitting your claim for CPP disability, contact Preszler Injury Lawyers now. 

Contact Our Victoria Long-Term Disability Lawyers Today for Free

If you were injured or became ill, your disability insurance should kick in to cover a percentage of your regular wages or salary while you’re unable to work. If your insurance provider has denied your claim or stopped your benefits before they should have, an LTD lawyer can help you fight back. 

Whether you are insured through a group plan or as an individual, there are many legal steps to take before you concede your benefits. Our Victoria long-term disability lawyers at Preszler Injury Lawyers can help you work toward a beneficial solution. Call today at 1-844-373-8202 or fill out our online contact form to schedule a free consultation.

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Case Results

Denied Long-Term Disability Benefits in Victoria?