If you or a loved one has suffered a catastrophic injury, you may feel overwhelmed by emotional trauma and medical bills, and not know where to start when it comes to dealing with insurance, submitting claims, and attaining benefits. This is why having a dedicated personal injury lawyer with catastrophic impairment experience is so important. Catastrophic Impairment […]
Read moreMG LAW UNDERSTAND ALL SHORT-TERM AND LONG-TERM DISABILITY CLAIMS IN OTTAWA
We have the experience and knowledge to help you get the compensation you deserve
MG LAW HANDLE ALL disability claims WITH SENSITIVITY AND DILIGENCE
Are you suffering from a serious medical condition or injury that prevents you from performing your job? Are you able to work in any capacity? Is your long-term disability insurer denying your claim?
MG Law can help you with long-term disability claims. It’s important to understand how they differ from short-term disability claims too. That’s why we’ve listed answers to the most frequently asked questions our legal professionals encounter.
Long-Term Disability Claims
Q: Do Employers Offer Long-Term Disability Benefits?
A: Many employers offer long-term disability benefits as part of their group benefits policy. The benefit is designed to substitute your income if you are unable to do your job, or in some cases, any other employment.
Q: How Much Time Are Long-Term Disability Benefits Valid For?
A: You will qualify for long-term disability if you cannot perform the duties of your employment. It does not matter if you can perform other jobs, as long as you cannot perform the duties of your job. After 24 months, there is a change in the disability definition. The definition changes from “own occupation” to “any occupation” and if you qualify, the benefits will be paid until the age of 65.
Q: How Do I Qualify For Long-Term Disability Benefits?
A: Disability must affect your life for a minimum of two years to qualify. You need to supply medical evidence of your mental, physical, or psychological ailments that prevent you from performing your job at your usual level. Essentially, an inability to work must be supported by physicians looking after you.
Q: How Much Can I Expect To Receive From Long-Term Disability Benefits?
A: The amount depends on the type of policy you have. In some cases, benefits can equate to 50% to 85% of your regular monthly income.
Q: What Kinds of Disability Are Typically Associated with Long-Term Disability Benefits?
A: Usually those with permanent damage, including the loss of a limb, spinal cord injury, cancer, stroke, heart attack, paralysis, or psychological disorders.
Q: What If My Claim For Long-Term Disability Benefits Is Denied?
A: You should seek legal advice right away. Some policies have a very short limitation period and you won’t be able to appeal the decision or pursue litigation after six months of the denial.
Handling long-term disability claims can be stressful. MG Law is on your side to help you navigate through the process.
Give us a call at 613-730-8460 for a free consultation. Together, we will navigate through the complicated details of your long-term disability claim.
From Our Blog
Published April 20, 2020
Accidents can happen to anyone, resulting in catastrophic injuries that can change you and your family’s life forever. If you’ve been the victim of a serious accident, it’s important to know how your personal injury classifies, as it will affect the benefits you are eligible for and the compensation you can receive. What constitutes a catastrophic impairment? In Ontario, […]
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Published April 19, 2020
If you’ve suffered injuries as a result of a motor vehicle accident, you may have applied for accident benefits. Statutory Accident Benefits are coverages provided by law under every auto insurance policy in Ontario. Statutory Accident Benefits provide compensation, regardless of fault, if you, your passengers, or pedestrians, suffer injury or death in motor vehicle collision. […]
Read moreImportant steps to take when injured
1. Call the police and tell them everything
Police statements are a valuable part of any court proceeding, so ensuring that the police have all the information you have available will reflect positively on your case.
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