Long-term disability (LTD) insurance provides crucial financial support for individuals unable to work due to injury or illness. However, it’s not uncommon for disability insurers to unreasonably deny long-term disability benefits. If your long-term disability claim in Ontario has been denied or your insurer has terminated your LTD payments despite your ongoing medical condition, seeking assistance from a disability lawyer can make a significant difference.
Do I Need a Disability Claim Lawyer?
If your employer has an LTD plan, you can apply for long-term disability benefits insurance on your own. However, if you have concerns about your claim being dismissed or disputed by the insurance company due to a disputed diagnosis or pre-existing medical condition, it is beneficial to consult with a disability lawyer as soon as possible. A disability lawyer can advise you on the best way to present your claim.
Benefits of Contacting a Lawyer If You Believe You Are “Totally Disabled”
If you believe you are “totally disabled,” meaning you are unable to work due to a medical condition, it’s in your best interest to contact a disability lawyer. Having a disability lawyer review your documents before submitting your claim can be advantageous, as obtaining these benefits sooner can help your financial stability.
A lawyer can thoroughly review your LTD policy, help you determine if applying for LTD is the best option, and prepare your LTD application. Additionally, they can organize and revise your medical documentation and claim forms, and provide advice on next steps. A disability lawyer can also represent you in the appeal process if your claim is denied or if your benefits have been terminated.
Types of Long-Term Disabilities in Ontario
There are several types of long-term disability benefits available in Ontario, including:
- Long-term Disability Insurance (Employer Group Plans, Private/Individual LTDI Policies)
- Canada Pension Plan Disability (CPPD)
- Workers Compensation (WSIB)
- Ontario Disability Support Program (ODSP)
- Disability Tax Credit (DTC)
Each of these disability plans has different eligibility criteria and benefits. Consulting with a disability lawyer is essential to determine which plan suits your unique situation best.
How a Disability Claim Lawyer at Achkar Law Can Help You
When dealing with a long-term disability claim, an experienced lawyer can provide valuable assistance. Here are several ways in which a disability lawyer can support you throughout the process:
- Navigating the Application Process
- Applying for long-term disability benefits can be complex and overwhelming. A disability lawyer has the expertise to guide you through the entire process, ensure that you understand the requirements, and help you complete the necessary paperwork.
- Reviewing Your Policy
- Understanding your long-term disability policy is essential so you know your rights and benefits. A disability lawyer will carefully review your policy, and help make sure you are fully informed
- Gathering and Organizing Medical Documentation
- Strong medical evidence is vital for a successful disability claim. A disability lawyer will assist you in gathering and organizing the necessary medical documentation that supports your claim.
- Representing You in Appeals
- If your claim is denied or your benefits are terminated, a disability lawyer will advocate for you during the appeals process. They will build a strong argument on your behalf, present evidence, and address any legal issues to increase your chances of a favourable outcome.
- Negotiating Settlements
- In some cases, it may be necessary to negotiate a settlement with your insurance company. A disability lawyer will handle the negotiations, and aim to secure a fair and just settlement that adequately compensates you.
- Protecting Your Rights
- Throughout the entire process, a disability lawyer is committed to safeguarding your rights. Their goal is to secure the compensation and support you deserve.
Contact a Disability Claim Lawyer Today
If you’re facing challenges in obtaining the long-term disability benefits you rightfully deserve, contact one of Achkar Law’s experienced disability claim lawyers today. We are here to help you navigate the complexities of the disability insurance claim application process, gather the necessary documentation, and represent your interests in appeals or negotiations with insurance companies. The support of a disability lawyer you can shift your focus towards your recovery while ensuring you receive the financial assistance necessary to uphold your quality of life.
Let us be your advocates in securing the benefits you need and deserve. Reach out to us now for reliable and dedicated legal assistance.