Long Term Disability

Nanda & Associate Lawyers

Long Term DisabilityBenefits

Is your long-term disability preventing you from being gainfully employed?
Long term disability insurance is also known as LTD insurance. Although the overall start and term of this type of coverage is dictated by the actual policy, in general it will begin after short term disability ends and can last for as long as you are unable to perform any occupation that you might be qualified for by way of education and experience, with some policies providing coverage up to age 65.
It is advisable to contact an experienced disability claim lawyer to fight the denial. Insurance companies do have stringent internal approval processes. Strict limitation periods also exist within which the lawsuit has to be filed against the insurance company. Acting promptly after the denial will help to achieve favorable results.

What is Long Term Disability Insurance?

Long term disability insurance is also known as LTD insurance. These policies generally cover a period of two years if you are unable to work. Post completion of those two years, disability benefits continue if you are unable to perform any work.
Long-Term disability insurance allows you access to a percentage of the pre-injury income. You can use this amount to pay for home and medical care, medical treatment, and associated expenses.
You can get the long-term disability insurance policy from an insurance company, insurance broker, or through your employer. You are eligible for LTD benefits irrespective of where you get the policy.

Which Injuries are eligible for Long Term Disability Benefits?

The coverage for the LTD benefits majorly depends upon your insurance policy. The policy itself will define what types of injury or illness that prevent you from working is covered. The coverage period depends on the intensity of the injuries and the time needed to get well or can be a defined term with an cut off date triggered by age. Injuries such as boating, bike, car accidents, slip, and fall cases can all be included depending on the policy.
A disability can have many forms. Physical disabilities can be chronic pain, partial or full-body paralysis. Mental injuries such as depression, anxiety, and PTSD can also be covered in long-term disability coverage.

Many other chronic illnesses and disabilities can disrupt your ability to work for long periods. Some of the medical conditions that usually are included in for a long-term disability policies include but are not limited to:

  • Mental Health Issues (Depression and Anxiety)
  • Addiction
  • Professional Athletes Disability
  • Irritable Bowel Syndrome (IBS)
  • Chronic Pain
  • Headaches & Migraines
  • Fibromyalgia
  • Arthritis
  • Bipolar Disorder
  • Cancer
  • Carpal Tunnel Syndrome
  • Heart Disease & Stroke
  • Military Disability
  • Kidney Failure
  • Neurological Disorders
  • Post-Traumatic Stress Disorder
  • Employment Termination arising from LTD/STD
  • Other Health Issues

How long do the Long-Term Disability Benefits payments last?

In most cases, long-term disability benefits start after 10 weeks of the actual injury, but it can be more in many situations. Even if an employer offers compensation, it is not an automatic payment.
If an employee received payment from an employer’s disability payment coverage or Workers Compensation insurance, they might still be eligible to apply for compensation from any private insurance company.
Many long-term disability benefits have monthly payment limits, while others have a lifetime paymentlimit. Some long-term disability policies include a component for the cost of living or inflation increases, while other policies help supplement the payment received from other sources to match the income prior to the disability.
Once a long-term disability policy is active, it abides by the central policy clauses until the person attains65 or for a certain policy time limit as specified.

What happens after I sustain a personal injury?

When you meet with a personal injury, seek an experienced legal counsel immediately. Any insurance matter can be challenging and legally very complicated. At this time, the support of compassionate and skilled long-term disability lawyers can be crucial.
If you have faced a serious personal injury, immediately seek legal representation. Since long-term disability claims and insurance disputes can be complicated and expensive, it is advisable to retain atrusted and experienced long-term disability lawyer to represent your case.
When choosing a long-term disability lawyer in Mississauga, prefer a personal injury law firm in Mississauga with substantial experience in representing disabled or injured Canadians.

How can a long-term disability lawyer assist you?

When you file a long-term disability claim, insurance companies may deny it, citing many reasons. If you have the support of skilled disability lawyers, your application can be completed accurately and submitted for review.
Experienced disability lawyers at Nanda & Associates Lawyers are aware of the strategies employed by insurance companies and will help you counter them effectively.
When you hire a long-term disability lawyer to represent your case, they will fight for your legal rights and receive the compensation you rightly deserve. Long-term disability benefits can help you match your pre-disability income by covering medical expenses, rehabilitative care, home care, and other relevant expenses.

What are the possible legal options once a long-term disability claim is filed?

Based on the case circumstances, your lawyer can employ different approaches to achieve a resolution. Mediation, Arbitration,and Litigation are possible methods that can be pursued. Mediation is a negotiation process. A neutral third party is present to observe the process and help the parties to solve the dispute.
Arbitration is a more formal method that includes an arbitrator. The arbitrator can make a decision after listening to both sides. This decision is legally binding on both parties.
If both mediation and arbitration fail, litigation is the final approach. The professional long-term disability lawyers at Nanda Associates & Lawyers will be at your side to defend your legal right to be compensated for an illness or injury.

What can you do if your long-term disability benefits have been denied?

Have your long-term disability benefits been denied? We know that insurance companies can cite several reasons to terminate or deny these benefits. In many cases, an experienced long-term disability benefits lawyer can help you remedy the situation by making your application complete and accurate.
In other cases, you may need litigation to prove your claim if the insurance company disputes that they didn’t approve your doctor, you exceeded the time limit for application, or you had a pre-existing medical condition.
In such circumstances, it’s recommended to consult an experienced lawyer and receive professional guidance. Personal injury law firms are well-versed in the approaches used by insurance companies and can help you navigate with helpful strategies to get the rightful compensation. If you have been denied disability benefits, skilled personal injury lawyers at Nanda Associates and Lawyers can help you successfully receive the rightful compensation you deserve.

How We Can Help

When you are not able to work, long term disability benefit payments help you pay your bills and attain peace of mind, even when you are injured or ill. They are a matchless support net for all hard-working Canadians.
To know how we can help you apply for long term disability benefits, call us today for your free initial consultation at 647-951-6200 or email us at info@nanda.ca