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Guide to Long Term Disability in Ontario
- 1. LONG TERM DISABILITY aguide to presented by Findlay Lawyers
- 2. Long term disabilityprovides coverage if you sustain injuries that prevent you from working for a significant period of time.
- 3. Long-term disability benefits aretypically paid out for two years, after which you are expected to be able to continue working (possibly in a different occupation).
- 4. If you cannotperform any job, long-term disability may cover you until age 65 or longer, depending on your specific coverage plan.
- 5. Your long-term disabilitybenefits 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. While you maythink your case is straightforward, insurance companies will use every means at their disposable to pay out as little as possible.
- 7. How a long-termdisability 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. If you havetrouble receiving the long-term disability benefits you are entitled to, it's worth it to consult a lawyer.
- 9. At Findlay PersonalInjury 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.
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