If you recently suffered a disability due to an injury or health condition that prevents you from working, you may be thinking about filing for long term disability benefits. The process of pursuing long term disability benefits is complicated and arduous. Insurance companies sometimes attempt to deny worker claims, and even a slight mistake on your application paperwork could adversely impact the outcome of your case.
For this reason, it is highly advisable to consult with a Collingwood long term disability lawyer at Rastin Law for unwavering legal guidance throughout your claim. A knowledgeable lawyer on our team could review your situation and determine whether you may be eligible for long term benefits.
When you suffer from an injury, disease, or other condition that prevents you from working, you may qualify for long term disability benefits. Long term disability benefits comprise a percentage of your regular earnings. The amount of your earnings covered by long term disability varies by policy but usually comes out to about 2/3 of your wages.
There are several ways you can access long term disability benefits. One way is under your employer-sponsored insurance coverage. However, if your long term disability benefits are secured through the company you work for, they may be subject to taxation. You can also take out your own long term disability coverage.
Depending on the provisions of the insurance plan, the policy may require a specific duration of disability to predate the payout of benefits. For example, some policies require your impairment to have lasted six consecutive months before you can receive long term disability payments. However, other benefits such as short term disability may be available during this time.
The duration of benefits depends on the disability as well as the provisions of the particular insurance policy. To start, if you can’t fulfill your regular job role because of your injury or illness, long term disability payments can be issued for 24 months. If the initial 24 months pass and your disability still prevents you from engaging in any gainful employment, long term disability payments can continue.
A skilled local lawyer could review your claim for long term disability and assess the potential amount and duration of benefits.
There are several criteria that your disability must satisfy to qualify for long term benefits in Collingwood. First, you must have sustained a severe disability, either psychological or physical, that not only prevents you from working, but is projected to last for a minimum of one year.
Second, the insurance plan through which you’re seeking long term disability needs to be in effect. Finally, your disability must render you unable to perform any other job.
A Collingwood long term disability lawyer at Rastin Law could help you seek the maximum benefits you deserve for your ongoing injury or illness. Our team is here to help you navigate the claims process or file an appeal if your initial claim was denied. For more information about pursuing long term disability benefits, call our office today and request your confidential legal consultation.
By: Stephanie K.
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