Long-Term Disability Lawyer Ottawa | MG Law | LTD Benefits

Long-term Disability

MG Law’s Ottawa long-term disability lawyers are here to help you

We’ll help you get the Ontario long-term disability insurance benefits you deserve

Need a long-term disability lawyer? MG Law is here to help you and your family during your time of need. When you’ve suffered a serious personal injury or medical condition that prevents you from doing your job, long-term disability insurance denials only compound your struggle. You’re not in this alone though. Our long-term disability lawyers have over 10 years of experience working alongside innocent victims who have been wrongfully denied their benefits. By working with MG Law, we’ll help you obtain the benefits owed to you and your support network.

When you need help, we’re here.

Over 10 years of experience

Over $80 million obtained for our clients

Fluent in 6 languages

We will come to your home or hospital

We take your case very personally

Free initial consultation

You don’t pay until your case is won or settled

What are long-term disability benefits?

It’s important to note that long-term disability benefits differ from short-term disability benefits. Essentially, long-term disability insurance benefits (LTD) are an income replacement benefit when serious injury or medical conditions prevent you from performing your job. Many employers offer them as part of their group benefits policy. Typically providing up to 60% of your gross salary with a monthly limit for the period in which you can’t work, it’s available after short-term disability insurance, sick leave and EI benefits have been exhausted.

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 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 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 disability benefits valid for?

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. 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 will depend 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 from MG Law’s long-term disability lawyers 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.

Our long-term disability lawyers will get you the long-term disability benefits you deserve

Long-term disability insurance is designed to provide you financial assistance when life gets tough. We understand how frustrating and overwhelming it can feel when you see your long-term disability claim denied. Acting fast is imperative and consulting with MG Law’s long-term disability lawyers is something deserving your immediate focus. With over 10 years of experience, we’ll work hard to provide you with all the details, so you can make informed decisions going forward. In fact, our team provides 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. Together, we will navigate through the complicated details of your long-term disability claim. You don’t have to face these unknown hurdles alone with MG Law at your side.

Testimonials

What clients are saying

From day one Miryam and her team made me feel at ease and never under any pressure. They always were there for me when I needed them. I can't say enough about MG Law. They fight for you and make sure you are well cared for. They are very honest and respectful. I would and will recommend them if I ever know of someone that needs a team to help them.

– Ottawa (ON) resident, name withheld for privacy

I had a very good experience with MG Law. Kyle was very professional and helpful through the whole process. He really took an interest in our case and he did everything he could to help us! We were very happy with the whole experience. I highly recommend this firm.

– Ottawa (ON) resident, name withheld for privacy

A high level of professionalism that works extremely hard to get you what you deserve. I am a satisfied customer after settling my MVA claim. I highly recommend Miryam and her team at MG Law. Thank you so much Miryam and Banan. I appreciate everything you guys did for me 🙂

– Ottawa (ON) resident, name withheld for privacy

It was a pleasure working with this firm. Very understanding and supportive. Having been through a very stressful event (car accident) they made the process much more manageable. Thank you! I highly recommend this friendly, caring group of professionals.

– Ottawa (ON) resident, name withheld for privacy

Don't suffer in silence. We are here to help.

We have the experience and knowledge to help get you the compensation you deserve. Our team communicates in English, French, Greek, all Arabic dialects, Mandarin, and Russian, so you can feel more comfortable with our representation. Make MG Law your first choice and get results! Call us today at (613) 730-8460 to book your free consultation.

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Our team communicates in English, French, Greek, all Arabic dialects, Mandarin, and Russian, so you can feel more comfortable with our representation.