According to the Canadian Survey on Disability, 1 in 7 Canadians is living with a disability for a total of 3.8 million Canadians. And 49% of Canadians aged 25 – 64 reported being employed with a disability. Many of those employees are covered by disability benefits. Or, they should be!
Short-term disability (STD) and long-term disability (LTD) are insurance policies that are meant to replace your income in the event that you become too sick or injured to continue working. These benefits are often provided to you through your employer or union, but they can also be purchased on your own. When you become ill or injured you trust that having these benefits will ensure your livelihood throughout the duration of your incapacitation, unfortunately this is often not the case.
It may come as a shock to you when your claim is wrongfully denied, but the fact is that a significant number of valid claims are denied when they shouldn’t be. The insurance company is a business and the less they pay out the better. If your claim for long term disability benefits has been denied you need a Toronto disability lawyer who will fight to get you the money and the benefits that you are entitled to.
Claims for disability benefits are complicated. There are many forms to fill out, documents to produce, many timelines and deadlines which you need to be aware of as well as many requirements to meet to ensure that you are paid the benefits you are entitled to. To compound things often there is a difficult representative from the insurance company to deal with. This can all seem overwhelming at the best of times. When you are struggling with pain it can seem impossible. Let us take this burden on for you so that you can focus on your health, your recovery and getting back to your life.
The legal Team at Schiffmann Law has extensive experience in successfully holding insurance companies accountable to honour their contracts and pay our clients the money they deserve.
Our professionals will carefully review your case and its details and tailor the most effective legal strategy for your specific case. We will take all the necessary steps to ensure that you receive the disability benefits which you are entitled to. To do this, we will obtain all the necessary medical documentation to support your claim. We will find and retain the appropriate medical specialist and experts to provide an accurate diagnosis and expected prognosis who will testify as to how your disability impacts your ability to work.
There are a number of physical and mental disabilities that may render you unable to work for a either a period of time, or indefinitely. Some causes of disability include, but are not limited to:
If you are suffering from a disability either listed, or not, and your disability claim has been denied a lawyer in Toronto can help.
For the purposes of most LTD claims in order to qualify for benefits you must be “totally disabled” from performing the essential duties of your own job. This is referred to as an “own occupation” disability.
After two years the definition changes and you must be “totally disabled” from performing the essential duties of any job for which you are qualified by education, training, and experience. Often times if you were approved initially the insurance company will issue a denial at this point, and it is a good idea to consult a disability lawyer in Toronto to talk about your next step.
In either case it’s important to note that “totally disabled” does not mean that you are in a complete state of helplessness. It means that you are totally disabled from doing any job you are qualified to perform by way of your education, training and experience.
The truth is there may be no good reason for your claim to have been denied. In many cases people believe when they are denied disability benefits in Toronto it must be for a good reason, and insurance companies count on that. They are a for profit business that benefits when everyday people take them at their word.
A recent Global News article cites a case in Toronto where a woman’s benefits were suddenly terminated because she is able to care for her disabled son.
Trying to fight the insurance company alone leaves you vulnerable, they know that and will use it against you. They will make their letters vague, and their appeals process unclear. They will hire medical professionals to evaluate you that are not even qualified to treat you in order to intimidate you. At Schiffmann Law we have the resources to level the playing field in your favour.
We know that when you’ve been denied disability benefits and you are worried about how you are going to pay your bills, lawyers fees are the last thing you need. This is why we do not charge you any fees upfront. After our free consultation, if we decide to work together it will be on a contingency fee basis. This means we get paid, when you get paid and our fees are taken from your settlement. Call us today at 416-780-1600 or 855-780-1600 and let us fight to get you the disability insurance you are owed.
1315 Lawrence Avenue East, #104
Toronto, Ontario M3A 3R3
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