Long Term Disability LTD is an insurance policy that will qualify when physical conditions impact daily function and stop individuals from doing any jobs for a long time. In Toronto, a number of people are dealing with long term disability due to health conditions like illness, injuries and accidents. In Toronto, the litigation is quite strict, they don’t approve the condition as a long term disorder if the condition is not severe or extends for a long time.
If your LTD condition is approved, you may get a fair percentage of your pre-disability monthly salary. However, there are several possibilities that Toronto law will reject your LTD claims after examining your condition. Don’t worry, an experienced Long Term Disability Lawyer can handle your disability case and help you to get fair compensation.
In this article, we will guide you through the process of hiring the best lawyer in Toronto and other initial details.
What is Long Term Disability (LTD) in Toronto?
Long Term Disability (LTD) is when someone is unable to work due to their health condition for a long period and can’t earn money for daily maintenance and medical expenses. According to the Toronto Law, if individuals are unable to do their job for a few months to years due to any accidents, injury or severe illness, they can claim LTD benefits. The condition must be severe or prolonged to claim LTD benefits. Long term disability usually starts after a short term disability STD.
During health conditions like illness or injuries, the disability law will consider the first few months as a short-term disability. After a few months, they will examine your condition to give approval if it qualifies for LTD. In this period, they will provide you STD benefits for 3 to 4 months according to your insurance policy and health condition.
What are the Most Common Causes for Denial of a Long Term Disability?
LTD claims can be denied for several reasons. The most common cause is the conditions of your insurance policy coverage. The insurance companies have different policies for disability coverage. When you enroll in a disability insurance policy make sure that you read the policy language carefully. The insurance companies clearly mentioned the conditions in their policy in legal language, such as when you can claim LTD. The conditions are:
• Unable to work with a valid medical health condition
• Unable to work due to injuries or accidents that occur naturally.
• If you can’t walk, sit, or work without harming yourself
• Completely disable for a few months to year
• Medical documents that prove your physical condition
• Your physical state is severe and prolonged
There are some other reasons that your LTD claims can be denied. Such as:
• Incomplete Documents
• Insufficient Medical Documents
• Improper definition of Disability
• Missed Deadlines
• Inappropriate Medical Condition
• Lack of proof and symptoms
What Condition Qualifies for Long Term Disability?
Certain medical conditions are considered as long-term disability (LTD) in Toronto.
• Chronic Pain
• Mental Illness
• Musculoskeletal Conditions
• Cardiovascular Conditions
• Nervous System Disorders
• Cancer
• Respiratory Diseases
• Severe Injuries
• Hematologic Diseases
• Nervous System Disorders
Why You Need a Disability Lawyer Toronto
In Toronto, lawyers are very helpful and experienced, they can better help you when you are dealing with LTD conditions. So, it’s better to consult a lawyer who can guide you on what to do according to your condition. Also, you make sure that you have a LTD insurance plan and your monthly premiums are paid. Usually, insurance companies try to minimise the compensation you deserve. They will take your symptoms and medical history to confirm if you are eligible to claim LTD benefits.
When you hire a lawyer you don’t have to worry about all these things. Your lawyer will handle all your legal claims and insurance companies. Also, they will help you in legal representation to navigate the application process so that you can focus on your health and treatments. In Toronto, you have the best option, such as Affinity Law, to deal with your LTD case. Affinity Law has a team of experienced lawyers who have a massive success rate in disability cases.
How Affinity Lawyers Can Help with LTD
Affinity Law is a professional corporation with a premium full-service law firm in Toronto with a team of experienced lawyers. If your LTD or STD claims are denied wrongly, Affinity lawyers can help you in this situation. You can get here the most professional lawyers who have massive success rates and positive reviews. They will guide you through the whole process so that your claim gets approved.
First, they will take your history and examine your case to find out the causes of denial of your claims. After they will try to confirm that you will get the benefits for a specific period until you are unable to do your job. In this process you have to submit all the necessary documents to the insurer. Later your insurer will qualify your LTD claims after checking all documents and physical visit. Affinity Law will handle your disability case without any expenses until your claim is approved. They will try their best so that you can receive a fair amount of money from your insurance policy.
How much does Toronto disability pay?
According to the Law of Toronto, individuals will get 70% to 80% of their pre-disability monthly income. Also, it will depend on your insurance policy. What policy coverage you enrolled in is important. Every policy is different, some provide you the LTD benefits up to 2 years until you do your job.
If you are unable to work after this time, they will provide benefits for certain years. Your lawyer can play a vital role in negotiating a fair amount from your insurer. They will try to ensure that you can get the benefits as long as possible.
Conclusion
Long Term Disability benefits help the person financially who can’t do their daily jobs due to any injuries or medical condition. Most people in Toronto enrol in both STD and LTD insurance policies to get benefits if, in future, they have to deal with any disabilities. Some certain conditions qualify for LTD and others are for STD.
When you are physically disabled, it’s better to hire an experienced lawyer who can help to get benefits in such conditions. However, Affinity lawyers are very helpful and experienced, so you will get the best service from them. Also, they will work for you to get the benefits you deserve.