Temperatures are dropping, snow is falling, and roads are as icy as ever. Imagine you’re driving on rural roads towards a weekend winter getaway. Suddenly you hit a patch of black ice, swerve off the pavement, and end up in a ditch. You try to call for assistance, but there’s no service. Now what? Why […]
Read more MG 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 November 26, 2019
You just sustained a serious injury in a slip and fall accident, what are your concerns? Municipal Cases Limitation Periods and Reasonable Excuse If your slip and fall occurred at the municipal property, the Municipal Act states you have 10 days to provide a written notice to the Municipality. You have two years from the […]
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Published November 22, 2019
Thought high visibility or reflective clothing is just for construction workers, traffic wardens and the emergency services? Think again! Despite this clothing reducing your likelihood of being involved in a pedestrian accident this winter, wearing high visibility or reflective gear is often seen as unfashionable or a social taboo. It shouldn’t be however. According to […]
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