Need help obtaining Ontario disability insurance? Contact an Ottawa disability lawyer at MG Law
Our team handles all long-term disability claims with sensitivity and diligence
Ontario disability insurance helps protect you and your family from an unexpected illness or an accident that leaves you unable to work and earn an income. If you’re suffering from a serious medical condition or injury that prevents you from performing your job, it’s time to contact MG Law. Similarly, if your long-term disability insurer is denying your claim, it’s time to contact an Ottawa disability lawyer at MG Law.
Firstly, MG Law specializes in Ontario long-term disability claims. It’s important that our clients understand how these claims differ from Ontario short-term disability claims. That’s why we’ve prepared answers to your most frequently asked questions surrounding Ontario disability insurance and long-term disability claims.
Do employers offer Ontario long-term disability benefits?
Many Ontario 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.
How do I qualify for long-term disability benefits?
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. The ones that prevent you from performing your job at your usual level. Essentially, an inability to work must be supported by the physicians looking after you.
What kinds of disability are typically associated with Ontario long-term disability benefits?
Usually those with permanent damage, including the loss of a limb, spinal cord injury, cancer, a stroke, a heart attack, paralysis, or psychological disorders.
How much time are long-term disability benefits valid for?
You will qualify for long-term Ontario disability insurance 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. Bear in mind, the definition of “disability” differs between insurance companies. In some cases, it can differ between insurance plans from the same company too.
How much can I expect to receive from long-term disability benefits?
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.
What if my claim for long-term disability benefits is denied?
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.
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Don’t face long-term disability claims alone. MG Law will help you make sense of Ontario disability insurance.
Has your Ontario long-term disability claim been denied? MG Law understands this is one of the most stressful times in your life. That’s why our team, with over 10 years of experience, is here to help and guide you through the legal process when you’re denied long-term Ontario disability insurance.
MG Law explains how you can pursue the coverage you’re entitled to when a serious medical condition, illness or injury stops you from returning to work. We know it’s your priority to get better while continuing to pay bills and support your family. With MG Law by your side, you can concentrate on what’s really important – making a full recovery. We provide legal services in English, French, Greek, Mandarin, Russian, and all Arabic dialects to serve you better. Call 613-730-8460 to get your free consultation.
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