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.

1. LONG TERM DISABILITY
a guide to
presented by Findlay Lawyers

2. Long term disability provides
coverage if you sustain injuries
that prevent you from working
for a significant period of time.

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. If you cannot perform
any job, long-term
disability may cover you
until age 65 or longer,
depending on your
specific coverage plan.

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. 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. 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. If you have trouble receiving
the long-term disability
benefits you are entitled to, it's
worth it to consult a lawyer.

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. CONTACT US
905-522-9799
findlaylaw.ca