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Long-term disability policies are very different from insurance that’s legally required (like car insurance, for example). Because you aren’t required by law to have it, there’s no “standard” policy. LTD policies are completely customized and can be completely different from one to the next.
That’s convenient when you’re looking for the right insurance coverage, but it also means that making a claim can get very complicated. Information you find online may not apply to your case at all. If you’re in a union, your collective agreement may also affect the way your insurance policy works.
These are the basic steps of an LTD claim, but because each claim is so different, we strongly suggest talking to a lawyer about your claim.
CPP Disability
If you’ve been off work for at least a year and you have recently contributed to CPP (it’s usually taken off your paycheque automatically) you may have access to CPP disability payments. You’ll have to meet specific medical requirements to qualify – what they consider to be a “severe and prolonged” disability. A lawyer with experience in disability claims can help you.
Do I really need a lawyer?
Hiring a lawyer to represent you is completely optional. You can choose to handle your insurance claim alone if you want to.
Some people choose to do it themselves to save on legal fees, but we believe that in those cases the outcome will be worse than if they had hired a lawyer to represent them. The insurance company has a whole team of adjusters and lawyers on their side with years of experience in making sure insurance payouts – including yours – are as small as possible. A lawyer with experience in insurance claims, on the other hand, will fight for you to make sure you get the full compensation you deserve.
Do I have a case?
We offer free consultations for injuries resulting from motor vehicle accidents, slip and falls, pedestrian accidents and other accidents, as well as long-term disability claims.
Do not hesitate to contact our team of lawyers for all your legal needs.