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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.

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