People in Collingwood tend to begin the long-term disability (LTD) claims process before lawyers are involved. Most people have long-term disability coverage through work. When someone is off work due to an illness, an accident, or another problem, they may or may not have short-term disability, and they may or may not apply for employment insurance benefits from the government. For clarification on how these stipulations may apply to you, get in touch with one of our experienced lawyers.
There is often a waiting period of four to six months before an employer can provide you with a three-part application for long-term disability benefits. You must fill out the first part of the application with information about your background. Your employer fills out the next section with your income, and the third part will be filled out by your doctor. All three sections of the application should be completed by the appropriate parties before you submit it to your LTD insurance company.
As people respond to questions from insurance adjusters, they should know that they are bound to their answers forever. If you write a letter in response to a question from the insurance company, saying the wrong thing could haunt you for the rest of the claims process and possibly result in a denial of long-term disability benefits.
You should answer questions from insurance adjusters bearing in mind what a judge or jury might think if they read the response to decide whether you are entitled to LTD benefits. Obtaining legal advice from a Collingwood lawyer before responding to questions from an insurance adjuster can help disabled people confidently provide appropriate answers.
You may file an appeal if you applied for benefits and were turned down. When considering what to submit in an appeal letter, the first thing you should do is look at why you were initially denied. People can be denied benefits if they have not been working somewhere long enough, have a pre-existing medical condition, provided insufficient evidence of their disability, or the like.
The appeal letter and its documents should address the original denial. If you were turned down because you did not have enough evidence to support your inability to work, for example, you should get letters from your doctors and specialists confirming that you are unable to work.
Short-term disability benefits are not offered in Collingwood as frequently as long-term disability benefits. However, there are several ways to obtain short-term disability benefits.
Some people who do not plan to work apply for employment insurance sick benefits, which will cover them for up to 15 weeks while they are off work, or there might be a short-term disability benefit through their work. Oftentimes, short-term disability benefits are funded by an employer.
The Collingwood claims process for long-term and short-term disability benefits also differ. Short-term disability benefits will depend on whether you can perform your own work duties or whether you are eligible for any employment insurance benefits because you are sick. Long-term disability benefits have more requirements, such as an income requirement. For instance, you must be making less than 60 percent of the income you were earning before.
Depending on how long you have been off work, the test for disability may be different. The test for long-term disability benefits is often whether you can do your own job if you have been disabled for up to two years. After two years, you might have to prove whether you are able to have a reasonably suited occupation according to your education, training, or experience. The tests and how they look at things differ depending on whether you are seeking short-term or long-term disability benefits, so it is best to discuss your options with an elite trial lawyer before beginning the claims process.