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Guide to Long Term Disability in Ontario


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Long term disability coverage can be tricky to navigate, especially when you're in poor health and trying to adjust to life changes resulting from a catastrophic injury. This guide provides an overview of long term disability coverage and how a lawyer can help you get the benefits you are entitled to.

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Guide to Long Term Disability in Ontario

  1. 1. LONG TERM DISABILITY a guide to presented by Findlay Lawyers
  2. 2. Long term disability provides coverage if you sustain injuries that prevent you from working for a significant period of time.
  3. 3. Long-term disability benefits are typically paid out for two years, after which you are expected to be able to continue working (possibly in a different occupation).
  4. 4. If you cannot perform any job, long-term disability may cover you until age 65 or longer, depending on your specific coverage plan.
  5. 5. Your long-term disability benefits may change depending on: How your plan defines disability Exclusions Pre-existing condition clauses Whether your benefits are taxable Whether your benefits are adjusted for inflation Whether your plan includes partial disability benefits
  6. 6. While you may think your case is straightforward, insurance companies will use every means at their disposable to pay out as little as possible.
  7. 7. How a long-term disability lawyer can help: Review your policy to make sure you are getting everything you are entitled to Make sure you meet all your deadlines Confront your insurance company on your behalf Talk to your doctor to gather proof of your condition Represent you in court if needed
  8. 8. If you have trouble receiving the long-term disability benefits you are entitled to, it's worth it to consult a lawyer.
  9. 9. At Findlay Personal Injury Lawyers, we take the time to form a personal connection with each of our clients. We will fight for you every step of the way to make sure you are able to focus on your health instead of your battle with insurance.
  10. 10. CONTACT US 905-522-9799