The physical pain and emotional anguish often associated with long term disabilities are likely to be the most important considerations for sufferers. Unfortunately, the disability itself is not the only thing injured people have to worry about. Such an injury is likely to mean that the sufferer will not be able to return to work for an extended period of time, in many cases for the rest of their life. This loss of income would be hard enough for any person to endure, but because disabilities usually entail high medical costs as well, being without an income is even more serious for those suffering from a long term disability. Due to these costs, qualifying for a long term disability claim is vital for many disabled people. Being denied a claim or having payments stopped prematurely can lead to stress and worry. It is important to have a personal injury lawyer at Diamond & Diamond who knows how to fight for the reinstatement of a denied long term disability claim.

If you are suffering from a long term disability and looking for disability benefits in Canada, the personal injury lawyers at Diamond & Diamond can help you with the process of filing a claim. We have representation across Ontario, including.

• Toronto
• Barrie
• Hamilton
• London
• Mississauga
• Orangeville
• Ottawa
• Peterborough
• Sudbury
• Thunder Bay
• Windsor

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Pro Tip

Provide proof of your long-term disability by submitting a written statement made by a physician that fully describes the cause and scope of your injury. You may need to attach medical records, including x-rays, MRIs, lab results, or surgical reports.

Important Things to Know About Long Term Disability

Denied Claims

Ideally, every person who suffers from a disability and is unable to work should get the compensation they are entitled to. Unfortunately, many employers and insurance providers will go out of their way to deny a claim or cease payments prematurely. In many instances, the insurer will argue that the extent of the injury has been exaggerated or that there is a lack of adequate medical information. Some insurers may go as far as denying a claim because the original insurance application wasn’t completed properly or because they will accuse the beneficiary of trying to avoid work for reasons not related to the disability. These accusations can lead to people feeling confused and embarrassed, but there is no need to let a denied claim go unchallenged. A personal injury lawyer who is sensitive to a client’s needs and situation will be able to fight on the client’s behalf in order to get them the compensation they deserve. Suffering from a disability is difficult enough, which is why claimants should not have to add to that suffering by challenging a claim denial alone. By seeking experienced legal representation, sufferers of long term disabilities can rest assured that they will have somebody who understands how disability claims work and what needs to be done to get their client’s claim approved or reinstated.

Types of Policies

The type of policy a person has could have a bearing on their eligibility for claims and who they should pursue for those claims if they are denied. Many people have a short-term or long term disability policy through group insurance provided by an employer. Short-term disability policies will help cover expenses for a short period of time and are usually paid by the employer. Long term disabilities, on the other hand, are more likely to involve the insurer and will usually pay out up until the beneficiary turns 65. Alternatively, some individuals opt for private insurance, whereby they buy a disability insurance policy on an individual basis from an insurance provider of their choosing. Regardless of the type of policy a person has, they are all designed to do the same thing: provide a source of income for individuals who are unable to return to work due to a disability.

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