Long Term Disability Lawyer Canada

1. UL Lawyers Professional Corporation LONG TERM DISABILITY DENIED

2. Overview According to a survey conducted by the Royal Bank of Canada in July 2014 on disability insurance (moneysense.ca), one in three working Canadians during the course of their employment, will encounter a duration of disability which may last longer than 90 days. Apparently, 62% of employed Canadians have come across individuals who have had to take time off as a result of disability and approximately 25% Canadians have had to take time away from their place of employment due to their own disability.

3. SHORT-TERM DISABILITY (STD) Short-Term Disability (STD) benefits coverage is meant to compensate employees for lost revenue as a result of short-term absences from their place of employment due to illness, injury, sickness or disability. You may continue to receive disability payments as long as you meet the definition of total disability as per your policy. In general, what this means is that you are ‘totally disabled’ for your own occupation up to the maximum benefit period as defined in your policy. Short-Term Disability coverage typically provides benefits for up to a maximum of 6 months while you are disabled. The definition of total disability and the maximum benefit period definitions can be found in a benefits booklet provided by your employer.

4. LONG-TERM DISABILITY (LTD) You can be eligible for Long-Term Disability benefits (LTD) once you have satisfied the waiting period or elimination period criteria. This can last for up to 60 days, 90 days or 180 days and coincides with EI and STD benefits. During the elimination period and for the first 2 years, you are considered totally disabled if sickness or injury prevents you from performing the essential duties of your regular occupation, you are under the regular care of a physician and you are not gainfully employed elsewhere, this test is known as the ‘own occupation’ test.

5. HOW LONG DOES IT TAKE TO SETTLE MY LONG-TERM DISABILITY CLAIM? • The answer to this question is, well it depends where your claim stands. Have you submitted the initial application and paperwork requested by your disability insurer? Have you applied for the internal appeal process? Did you receive disability benefits for a few months and then all of a sudden denied by your insurer? Have you already applied for CPP Disability benefits? • It is imperative that you be aware of the fact that your long-term disability insurer is under no obligation to settle your claim on a full and final basis. If your claim has merit and your injuries meet the definition of disability, your insurer can choose to settle in two ways, the first by simply paying the arrears, legal costs and disbursements of the action you commenced and then keeping your disability claim open and continue monitoring it and reassess at a later future date or by offering you a lump sum payment.

6. Contact Us Long Term Disability Lawyer 5700 Timberlea Boulevard Suite 11 Mississauga, ON L4W 5B9 Tel: 905.997.8987 905.744.8888 Fax: 905.804.8987 Email: info@ullaw.ca

7. Office Address MISSISSAUGA (HEAD OFFICE) KITCHENER OFFICE • 5700 Timberlea BoulevardSuite 11Mississauga, ON L4W 5B9 • Tel:905.997.8987905.744.8888 • Fax: 905.804.8987Email:info@ullaw.ca • TD Canada Trust Centre55 King Street West, 7th FloorKitchener, ON N2G 4W1 • Tel:519.891.8888 • Fax: 905.804.8987Email:info@ullaw.ca