Having your long-term or short-term disability benefits either wrongfully denied or wrongfully terminated can be devastating. Our lawyers have years of experience working with long-term disability providers. If your long term disability insurer has denied your claim, terminated your benefits, or has advised you that your benefits are ending on a certain date, we can assist in ensuring you receive the benefits you are entitled to.
Long-term disability benefits or “LTD” provides you with income should you become totally disabled due to an illness or injury and are thus unable to work. Typically long-term disability policies are available to individuals through their employment by way of a group plan. Or, individuals may purchase private insurance. Long-term and short-term disability policies are often grouped together. Short-term coverage typically provides you with income for the first six to 12 months of disability, and after that, if your disability continues, your long term coverage commences.
Disputes can arise as to whether your injury qualifies as a disability. Our lawyers have extensive experience handling all types of insurance claim disputes, including short term and long term disability. We will carefully review the terms of your policy along with your medical history. If necessary, we will arrange and evaluation through our network of independent medical specialists to determine the full extent of your disability. On your behalf we can negotiate with your insurance company to obtain all the benefits to which you may be entitled.
Our lawyers have handled hundreds of disability claims successfully. We can help with the application or appeal process and help get you the benefits you need quickly. We have the knowledge and resources to get the job done. If the insurer has treated you in bad faith, you may be entitled to punitive or aggravated damages in addition to your monthly benefits.
If you or someone you know have been denied their short-term or long-term disability benefits, contact us at (416) 306-3817immediately for a free legal consultation.