The Canadian government oversees and operates various disability benefit programs. However, if you suffered a severe injury or illness that leaves you unable to work and support yourself, you may need to seek financial help through other means. Fortunately, if you have long-term disability insurance through your employer, your union, or an independently owned policy, you may have access to additional benefits that could replace anywhere from 50 to 70 per cent of your average pre-injury income.
However, acquiring long-term disability benefits often requires a lot of negotiation with insurance representatives. Without a seasoned personal injury lawyer by your side, it may be difficult to achieve a successful outcome. A qualified Sudbury long-term disability lawyer could ensure your application fulfills all the requirements and work diligently to get you the benefits you need.
Eligibility for LTD Benefits
The exact conditions to qualify for long-term disability (LTD) benefits will vary depending on the specific terms of your policy. Broadly speaking, there are four main criteria that you must meet to receive these kinds of benefits:
- Be in good standing with your LTD insurance policy, meaning you have paid all your premiums on time and have not violated any terms of the policy
- Must have some kind of physical or mental condition for which you are seeking or have sought regular medical care
- Your condition must be, or expected to be, prolonged
- Your condition must be so severe that it prevents you from working at your current job or holding any type of gainful employment
A Sudbury long-term disability lawyer could help collect and present evidence, such as medical documentation and testimony from experts, to establish the severity of your condition.
Negotiating with Insurance Providers in Sudbury
Unfortunately, insurance companies will often deny claims for even the smallest errors and may try to complicate the filing process. Your LTD benefits claim will likely be rejected if you submit an incomplete application, fail to provide extensive and clear medical evidence, or wait too long to file. Because insurance companies may allege that your disability is not “severe” enough to warrant a payout, it is important to have an expert lawyer on your side to fight for your rights.
Beyond just helping compile and submit a thorough long-term disability application, a local lawyer could also help a you work through the internal appeals process for your insurance provider to keep your claim moving forward. A skilled lawyer plays a critical role in fighting back against underhanded tactics used by insurance companies to delay and discourage potential claimants from obtaining much-needed benefits.
Seek Help from a Sudbury Long-Term Disability Lawyer
Long-term disability benefits can be a crucial source of financial support for people suffering from life-altering injuries. These benefits can be incredibly valuable, but it is often difficult to convince an insurance company to pay out on a long-term disability policy.
To maximize your chances of success, call our firm and speak with a Sudbury long-term disability lawyer. A legal professional could help with every stage of the LTD benefits process, from filing a comprehensive initial application to appealing a claim denial.