Long Term Disability Lawyer


Long Term Disability Claim Denied?


Has your Long Term Disability claim been wrongfully denied? The LTD lawyers at Findlay Personal Injury Lawyers are here to help. The Findlay team has seen countless long term disability insurance denials and knows exactly what to do. The process of appealing your LTD denial is complicated and can feel daunting. Rest assured that Findlay Lawyers can help and have recovered millions of dollars in wrongfully denied claims. 

Long term disability insurers have very specific guidelines for determining eligibility and strict conditions involving what they will cover. Often there are rules and regulations that you will need to follow throughout the claims process to ensure that your claim is valid; not following these rules exactly may result in a denial or at the very least unnecessary delays. If you have received a rejection from your insurance company, Findlay long term disability lawyers can help file an appeal or prepare to file a lawsuit against your insurer. 

It's unfair that in many people time of need, they discover their LTD benefits are hard to receive, usually because their insurance company tries to stall or cancel their benefits. Contact us today and get a legal team that knows what to do. Call 905-522-9799 and get a free consultation.

Insurance Company Refusing to Pay?

If you have become ill or are suddenly not able to work, you can file benefits claims through your insurance company to replace your income. Insurance companies are known for denying LTD applications initially, in the hope that those denied will simply accept they are not covered. Although this is unethical behaviour isn't always the case, and disability applications can be rejected for many reasons.

Typically, to qualify for long term disability, you must have a disability (deemed so by a medical professional) that leaves you unable to perform the duties of your job. Unfortunately, many insurance companies unreasonably deny disability benefits to people who qualify, as they know some people will not push back against an initial denial. 

You do not necessarily need to have a physical disability in Ontario to qualify for a benefit claim. Long term disability insurance can cover several medical conditions such as chronic pain, depression, anxiety, schizophrenia, severe bipolar disorder as well as other invisible disabilities and health conditions. 

Disability Benefits Wrongfully Cut Off?

Your immediate action is critical when it comes to being wrongfully cut from your disability benefits. Any delay will only harm your chances of getting your benefits back. The first step you need to take is to contact one of our experienced disability lawyers, who will be able to review your situation and determine the best course of action. Our lawyers will help you throughout the entire process, so you will know exactly what needs to be done and when. You will never be alone during this process. 

In Canada, disability claimants are entitled to benefits providing they meet the criteria of total disability. The meaning of "total disability" is when you cannot perform the duties of your outlined occupation, even if you can perform other tasks at another job. After two years, disability policies change their meaning; you must be unable to complete the activities of any occupation that you are suited for depending on your education and experience. 

Insurance companies will commonly cut people off their disability benefits after two years, citing that they have found the person to no longer meet the requirements of “total disability”. Although this can happen in some cases, insurance companies are known to unfairly cut benefits and then reinstate benefits once confronted with a court case. Sadly, there are too many Canadians that simply accept their benefits have been terminated, so much so that insurance companies find it ‘cheaper’ to litigate with the few that push back for what is rightfully theirs. Therefore, it is essential that you talk to one of our long term disability lawyers about your benefit termination, and getting your benefits reinstated. 

What types of injuries qualify me for LTD benefits?

Qualifying for Long Term Disability benefits solely depends on the coverage that you have under your insurance policy. The key aspect of qualification is generally if your injuries or illness prevents you from doing your job. Depending on how long you are affected by your injuries, benefits may only cover you for a brief period, until you are able to work again. 

Injuries that cause physical disabilities are often cited in long term disability claims. However, these injuries can be caused by car accidents, truck accidents, bicycle accidents and even slip and fall. This can complicate claims and create issues, so it is always best to connect with a long term disability lawyer when facing these combined challenges. 

The legal team at Findlay Personal Injury Lawyers are familiar with the language of insurance contracts and the practices of insurance companies. Among many other things, we can:

  • Work with doctors to gather your relevant medical documents
  • Review your contract to check whether your insurer is fulfilling their end
  • Make sure any appeals paperwork for your claim is filed on time
  • Gather sufficient evidence of your condition
  • Argue your case in a court of law
  • Help get your benefits reinstated

Insurance companies in Ontario operate to save as much money as possible, while fulfilling the minimum terms of their contracts. Occasionally, these insurance companies favour saving money than fulfilling sections of confusing terms of their contracts, especially when someone is perceived to be too weak to challenge an insurance denial. 

Having Findlay Personal Injury Lawyers work your case on your behalf allows you to focus on rest and recovery, rather than paperwork and procedure. Having a team with over 40 years of experience in this area of the law means you could greatly improve your chances of a successful outcome.

Other Potential Issues with your Ontario Disability Claim

Of course, denial of claim is not the only issue you can run into when trying to receive long-term disability payments. You may find that people are following you, recording your activities and trying to catch you in a compromising position. You may also discover that your insurer has said they will pay, but are sending delayed or reduced payments with no explanation. These are all tactics insurance companies try to use to save money for themselves. Call us and we'll help guide you through the entire process, including on what insurance companies can, and cannot do.

Schedule Your Free Consultation Today

If you are having any issues with your Long Term Disability claim, take it to one of our offices in Hamilton, Burlington, Brantford, Niagara Falls, or St. Catharines. Our long term disability lawyers can look at your case and advise you on what to do next, all for free and with no further obligation.

Contact us by calling 905-522-9799 to set up a free initial case review.

We are here to help!

Head Office
20 Hughson Street South, # 510
Hamilton, Ontario L8N 2A1

Phone: 905-522-9799

Fax: 905-522-3098

We offer free consultations
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Disclaimer: The information throughout this website is not intended to be taken as legal advice. The information provided by Findlay Personal Injury Lawyers is intended to provide general information regarding personal injury law, catastrophic injury cases, wrongful death claims, medical malpractice lawsuits, car accidents, truck accidents, motorcycle accidents, and more for residents of Hamilton, Burlington, Stoney Creek, Brantford, Niagara Falls, and nearby areas in Ontario. This website is not intended for viewing or usage by European Union citizens. If you are interested in learning more about our law firm, please contact us for a personal consultation.

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