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Long-term disability payments are intended to offer income. At the same time, you are unable to work and the peace of mind that comes with knowing you will be able to pay your obligations regardless of your illness or injury. Long-term disability payments are an essential source of assistance for hardworking Canadians. Allow no one to take away your rights!
Three words encapsulate the frustration and anguish that an accident or disease may cause in drastically altering your life. It's difficult to picture your personal and professional lives being flipped upside down unless it happens to you.
The misery of sickness or injury is then increased by the confusion and stress of financial crises when the peace of mind of Long Term Disability payments is ripped away by rejection or early termination.
The Pace Litigation Practice is a Toronto-based long-term disability law firm that will fight for your rights. We're recognized for our tenacious advocacy and zealous support of our clients. We make sure that our customers get the advantages they are entitled to. Lawyers, judges, and even the insurance companies we suit appreciate us.
Long-term disability claims often emerge when you experience a physical or mental injury or sickness that prevents performing your regular job obligations. Because of your injuries or sickness, you may be unable to return to work for a long time or permanently.
Long-term disability benefits are payments made by an insurance company to replace your income or earnings when you cannot work due to a disability caused by an accident or illness. Long-term disability benefits, in essence, replace a part of your income until you can return to work.
If you have a Long Term Disability and are concerned about whether you are receiving the financial assistance you are entitled to, contact our attorneys. With over 40 years of experience handling insurance and disability claims, the disability attorneys at Pace Law Firm are well-versed in the nuances of the insurance claims procedure. We can offer you the support and direction you need to submit initial claims and pursue appeals if your claims are refused.
Most people will be entitled to some or all sick days or salary continuation paid by an employer, Employment Insurance (EI) produced by the Government of Canada. In addition, short Term Disability benefits and Long Term Disability benefits are paid by an insurance company under either a group policy arranged by the employer or a private policy previously purchased by a disabled claimant.
Disability payments are often available under group insurance for two years if the claimant cannot execute their employment obligations and beyond two years if they cannot do the duties of any reasonably acceptable occupation. Private disability insurance may follow this pattern, but it may also diverge significantly. Therefore, whether it’s a group disability insurance or a personal disability policy, it’s always good to double-check the policy’s precise terms and conditions since they might differ significantly from this style.
Statutory Accident Benefits and No-Fault Insurance
You are eligible for benefits under no-fault insurance if you were hurt in a motorbike accident, automobile accident, bicycle accident, or as a pedestrian by a vehicle. In such cases, your insurance provider covers your injuries, paying you compensation for medical treatment, lost earnings, and other damages.
Claims for Long-Term Disability
When you or your employer have made monthly contributions to long-term disability (LTD) insurance and cannot work owing to a disability, you are entitled to prompt and complete payment of eligible compensation.
Obtaining and maintaining Long Term Disability benefits may be a challenging, complex, and opaque procedure. However, we've seen it all as Long Term Disability claim attorneys with over 40 years of expertise.
It is all too typical for people with long-term impairments to be denied benefits or have their employment terminated unfairly. Insurance firms might even get the benefit amount incorrect.
To obtain your due from Long Term Disability insurance, you'll need to hire specialists familiar with this area of the law and can provide you the assistance and help you need.