{"id":2937,"date":"2023-07-17T15:52:28","date_gmt":"2023-07-17T18:52:28","guid":{"rendered":"http:\/\/fidelis2023.local\/?page_id=2937"},"modified":"2024-12-16T15:40:06","modified_gmt":"2024-12-16T19:40:06","slug":"long-term-disability","status":"publish","type":"page","link":"https:\/\/fidelislaw.ca\/dev\/accidents\/long-term-disability\/","title":{"rendered":"Long-Term Disability Lawyers"},"content":{"rendered":"<div class=\"gb-container gb-container-643a2263\"><div class=\"gb-inside-container\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-79c410ba\">\n<div class=\"gb-grid-column gb-grid-column-c41599c6\"><div class=\"gb-container gb-container-c41599c6\"><div class=\"gb-inside-container\">\n<h1 class=\"gb-headline gb-headline-f7c2011f gb-headline-text\">Long-Term Disability Lawyers<\/h1>\n\n\n<p class=\"wp-block-paragraph\"><strong>Long-term disability policies are very different from insurance that\u2019s legally required (like car insurance, for example). Because you aren\u2019t required by law to have it, there\u2019s no \u201cstandard\u201d policy. LTD policies are completely customized and can be completely different from one to the next.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s convenient when you\u2019re 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\u2019re in a union, your collective agreement may also affect the way your insurance policy works.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These are the basic steps of an LTD claim, but because each claim is so different, we strongly suggest&nbsp;<a href=\"https:\/\/fidelislaw.ca\/dev\/contact-us\/\">talking to a lawyer about your claim<\/a>.<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-b00a1ca5\"><div class=\"gb-container gb-container-b00a1ca5\"><div class=\"gb-inside-container\">\n\n<h2 class=\"gb-headline gb-headline-6c1d8b32 gb-headline-text\">Contact us for a free consultation<\/h2>\n\n\n\n<p class=\"gb-headline gb-headline-cb7c3c96 gb-headline-text\">We offer free consultations for personal injuries resulting from motor vehicle accidents, slip and falls, pedestrian accidents and other accidents as well as Long Term Disability claims.&nbsp;<strong>Contact our team of lawyers for all of your legal needs.<\/strong><\/p>\n\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f5186-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"5186\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/dev\/wp-json\/wp\/v2\/pages\/2937#wpcf7-f5186-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"5186\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f5186-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"containerr\">\n\t<div class=\"row\">\n\t\t<div class=\"col-sm-4 contactformbot\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"text-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"text-name\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"col-sm-4 contactformbot\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"text-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"text\" name=\"text-phone\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"col-sm-4 contactformbot\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"text-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"text\" name=\"text-email\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"row\">\n\t\t<div class=\"col-sm-12 contactformbot contactformbott\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"textarea-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Tell us about your case\" name=\"textarea-message\"><\/textarea><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"row white\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-349\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"acceptance-349\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">By providing your phone number, you agree to receive text messages from Fidelis Law Droit. Message and data rates may apply. Message frequency varies.<\/span><\/label><\/span><\/span><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"row\">\n\t\t<div class=\"col-sm-12\">\n\t\t\t<p style=\"text-align: center\"; class=\"submit-btn\";><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Send Message\" \/>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"74\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n\n<\/div><div class=\"gb-shapes\"><div class=\"gb-shape gb-shape-1\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1200 100\" preserveAspectRatio=\"none\"><path d=\"M1200 77.2L400 0 0 77.2V100h1200z\"\/><\/svg><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-container gb-container-da48d90b\"><div class=\"gb-inside-container\">\n<div class=\"gb-container gb-container-94a2a669\"><div class=\"gb-inside-container\">\n\n<h2 class=\"gb-headline gb-headline-f73c75b4\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 36.7 3\"><path d=\"M0 0h36.7v3H0z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">What to do during an LTD claim<\/span><\/h2>\n\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-82fb92b3\">\n<div class=\"gb-grid-column gb-grid-column-c353e356\"><div class=\"gb-container gb-container-c353e356\"><div class=\"gb-inside-container\">\n\n<p class=\"wp-block-paragraph\">The insurance claim process after a motor vehicle accident can be overwhelming and confusing. Here are some guidelines to help you through the process \u2013 but keep in mind that every case is different, so it\u2019s best to talk to a lawyer if you have questions about your specific situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to know more about what to do after a motor vehicle accident, you can&nbsp;<a href=\"https:\/\/fidelislaw.ca\/dev\/what-you-should-do-after-a-car-accident\/\">read our blog post about the steps you should take.<\/a><\/p>\n\n\n<div class=\"gb-button-wrapper gb-button-wrapper-cb8d16d4\">\n\n<a class=\"gb-button gb-button-61d45cb0 gb-button-text button\" href=\"https:\/\/fidelislaw.ca\/dev\/a-guide-to-disability-insurance-claims\/\">Read our Guide to Disability Claims<\/a>\n\n<\/div>\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-34ba9c6b\"><div class=\"gb-container gb-container-34ba9c6b\"><div class=\"gb-inside-container\">\n\n<h3 class=\"gb-headline gb-headline-2115d6d8 gb-headline-text\">An important note about deadlines<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are several deadlines that affect motor vehicle insurance claims. For example, you have two years after the date of the accident to file a lawsuit against the other driver and owner of the other vehicle. If you were under the age of 19 at the time of the collision, you have until your 21st birthday to file a lawsuit.<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-eb42ddb4\"><div class=\"gb-container gb-container-eb42ddb4\"><div class=\"gb-inside-container\">\n\n<h3 class=\"gb-headline gb-headline-918c740e gb-headline-text\">1. Use short-term disability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Long-term disability only kicks in after an \u201cexclusion period\u201d (sometimes called an \u201celimination period\u201d) that usually lasts 60, 90 or 120 days. In the meantime, you should open a claim for Short-Term Disability insurance if you have it.<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-d29919ac\"><div class=\"gb-container gb-container-d29919ac\"><div class=\"gb-inside-container\">\n\n<h3 class=\"gb-headline gb-headline-13d05ca4 gb-headline-text\">2. Open an EI claim<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Employment insurance sick benefits are available for up to 15 weeks if you are unable to work for medical reasons, your regular weekly earnings from work have decreased by more than 40% for at least one week and have accumulated the required insured hours. You can visit the EI sick benefits webpage for more information or call Service Canada at 1-800-206-7218.<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-15bc11a3\"><div class=\"gb-container gb-container-15bc11a3\"><div class=\"gb-inside-container\">\n\n<h3 class=\"gb-headline gb-headline-b5df86d5 gb-headline-text\">3. Apply for your disability insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Open a claim with your disability insurance if you haven\u2019t been able to work for longer than the \u201cexclusion period\u201d or \u201celimination period\u201d specified in the contract (usually 60, 90 or 120 days).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read carefully<\/strong>: Be sure to read your policy documents very carefully (or get a lawyer to help). LTD policies can vary a lot from one to the other.<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-7dc5eef8\"><div class=\"gb-container gb-container-7dc5eef8\"><div class=\"gb-inside-container\">\n\n<h3 class=\"gb-headline gb-headline-e263e5d9 gb-headline-text\">4. Wait for approval or denial<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re approved, great! If your claim was denied, your insurance company probably offers an \u201cappeal\u201d process where they will re-evaluate your claim.<a href=\"https:\/\/fidelislaw.ca\/dev\/areas-of-law\/long-term-disability\/#3eb2e51a5a4149779\"><\/a><\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-23a15f56\"><div class=\"gb-container gb-container-23a15f56\"><div class=\"gb-inside-container\">\n\n<h3 class=\"gb-headline gb-headline-c8757777 gb-headline-text\">5. Contact a lawyer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Unfortunately, the appeals process is rarely successful, so we suggest contacting a lawyer right away if your claim was denied rather than wait weeks or months for the insurance company to evaluate your claim again.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your claim may be terminated even after you have received benefits for some time, due to a change in how the insurer determines whether you are \u201cTotally Disabled\u201d that usually occurs two years into your claim. If your claim is terminated at this stage, you may still be entitled to benefits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes the contract says you still have to do an appeal before you can sue to get your benefits, but your lawyer can let you know if it\u2019s necessary.<\/p>\n\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><div class=\"gb-shapes\"><div class=\"gb-shape gb-shape-1\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1200 100\" preserveAspectRatio=\"none\"><path d=\"M1200 100H0V0l400 77.2L1200 0z\"\/><\/svg><\/div><\/div><\/div>\n\n<div class=\"gb-container gb-container-6ee2ba1a\"><div class=\"gb-inside-container\">\n<div class=\"gb-container gb-container-71d1b57d\"><div class=\"gb-inside-container\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-f045b2ce\">\n<div class=\"gb-grid-column gb-grid-column-b77bd47c\"><div class=\"gb-container gb-container-b77bd47c\"><div class=\"gb-inside-container\">\n\n<h2 class=\"gb-headline gb-headline-c47b239a\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 36.7 3\"><path d=\"M0 0h36.7v3H0z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">CPP Disability<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019ve been off work for at least a year and you have recently contributed to CPP (it\u2019s usually taken off your paycheque automatically) you may have access to CPP disability payments. You\u2019ll have to meet specific medical requirements to qualify \u2013 what they consider to be a \u201csevere and prolonged\u201d disability. A lawyer with experience in disability claims can help you.<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-047dd99d\"><div class=\"gb-container gb-container-047dd99d\"><div class=\"gb-inside-container\">\n\n<h3 class=\"gb-headline gb-headline-6ddb3b7d gb-headline-text\">Do I really need a lawyer?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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 \u2013 including yours \u2013 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.<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-048bbb01\"><div class=\"gb-container gb-container-048bbb01\"><div class=\"gb-inside-container\">\n\n<h3 class=\"gb-headline gb-headline-9214364f\" id=\"ei\"><span class=\"gb-icon\"><svg viewBox=\"0 0 24 24\" height=\"32\" width=\"32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m4.225 12.55l-.9-.875q-.625-.625-.963-1.438q-.337-.812-.337-1.737q0-1.9 1.313-3.2Q4.65 4 6.525 4q.85 0 1.675.337q.825.338 1.475.988l.9.875ZM12 20.3l-6.375-6.325l8.7-8.65q.65-.65 1.488-.988Q16.65 4 17.5 4q1.85 0 3.163 1.3Q21.975 6.6 22 8.5q0 .85-.35 1.7t-.975 1.475Z\" fill=\"currentColor\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Employment Insurance (EI) Sickness Benefits<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Employment Insurance sickness benefits can provide you with up to 15 weeks of financial assistance if you can no longer work for medical reasons.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typically, you would be eligible for these benefits, following your accident, if your normal weekly earnings have decreased by more than 40% for at least one week and you have accumulated 600 hours of insurable employment in the 52 weeks before you started your claim, or since the start of your last claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read more:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/fidelislaw.ca\/dev\/employment-insurance-sickness-benefits\/\" data-type=\"post\" data-id=\"732\"><strong>Employment Insurance Sickness Benefits<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/fidelislaw.ca\/dev\/how-does-the-extension-of-ei-sickness-benefits-impact-my-personal-injury-claim\/\" data-type=\"post\" data-id=\"4989\"><strong>How does the extension of EI Sickness benefits impact my Personal Injury Claim?<\/strong><\/a><\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-f8f190a2\"><div class=\"gb-container gb-container-f8f190a2\"><div class=\"gb-inside-container\">\n\n<h3 class=\"gb-headline gb-headline-c40d536d\" id=\"cpp\"><span class=\"gb-icon\"><svg viewBox=\"0 0 512 512\" height=\"32\" width=\"32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M383.8 351.7c2.5-2.5 105.2-92.4 105.2-92.4l-17.5-7.5c-10-4.9-7.4-11.5-5-17.4c2.4-7.6 20.1-67.3 20.1-67.3s-47.7 10-57.7 12.5c-7.5 2.4-10-2.5-12.5-7.5s-15-32.4-15-32.4s-52.6 59.9-55.1 62.3c-10 7.5-20.1 0-17.6-10c0-10 27.6-129.6 27.6-129.6s-30.1 17.4-40.1 22.4c-7.5 5-12.6 5-17.6-5C293.5 72.3 255.9 0 255.9 0s-37.5 72.3-42.5 79.8c-5 10-10 10-17.6 5c-10-5-40.1-22.4-40.1-22.4S183.3 182 183.3 192c2.5 10-7.5 17.5-17.6 10c-2.5-2.5-55.1-62.3-55.1-62.3S98.1 167 95.6 172s-5 9.9-12.5 7.5C73 177 25.4 167 25.4 167s17.6 59.7 20.1 67.3c2.4 6 5 12.5-5 17.4L23 259.3s102.6 89.9 105.2 92.4c5.1 5 10 7.5 5.1 22.5c-5.1 15-10.1 35.1-10.1 35.1s95.2-20.1 105.3-22.6c8.7-.9 18.3 2.5 18.3 12.5S241 512 241 512h30s-5.8-102.7-5.8-112.8s9.5-13.4 18.4-12.5c10 2.5 105.2 22.6 105.2 22.6s-5-20.1-10-35.1s0-17.5 5-22.5\" fill=\"currentColor\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">CPP Disability Benefits<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Canada Pension Plan (CPP) disability benefit is a monthly payment you could be receiving from the Government of Canada if you are under 65 years old and you are unable to work because of a mental or physical disability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your disability needs to be severe and prolonged for you to qualify for CPP disability benefits. You also need to have made enough contributions into the CPP during your working life. These contributions are usually taken off your paycheck automatically if you\u2019ve worked for an employer in the past.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read more: <a href=\"https:\/\/fidelislaw.ca\/dev\/cpp-disability-benefits\/\" data-type=\"post\" data-id=\"4885\">Are you Entitled to CPP Disability Benefits?<\/a><\/strong><\/p>\n\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><div class=\"gb-shapes\"><div class=\"gb-shape gb-shape-1\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1200 100\" preserveAspectRatio=\"none\"><path d=\"M1200 100H0V0l400 77.2L1200 0z\"\/><\/svg><\/div><\/div><\/div>\n\n<div class=\"gb-container gb-container-2ae2aed2\">\n<div class=\"gb-container gb-container-731c7dd9\">\n\n<h2 class=\"gb-headline gb-headline-f12bf358\"><span class=\"gb-icon\"><svg viewBox=\"0 0 36.7 3\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 0h36.7v3H0z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Fidelis long-term disability lawyers<\/span><\/h2>\n\n\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-2b82d26d gb-query-loop-wrapper\">\n<div class=\"gb-grid-column gb-grid-column-0c75f229 gb-query-loop-item post-2919 lawyer type-lawyer status-publish has-post-thumbnail hentry practice-area-taxonomy-atv-snowmobile-accident practice-area-taxonomy-car-motorcycle-accidents practice-area-taxonomy-long-term-disability-claims practice-area-taxonomy-medical-malpractice practice-area-taxonomy-pedestrian-cyclist-accident practice-area-taxonomy-professional-negligence practice-area-taxonomy-slip-falls practice-area-taxonomy-spinal-cord-injury\"><div class=\"gb-container gb-container-0c75f229\">\n<figure class=\"gb-block-image gb-block-image-d8e41c77\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/chantal-thibodeau-kc\/\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2023\/07\/Chantal-headshot-lo-res-600x600.jpg\" class=\"gb-image-d8e41c77\" alt=\"\" srcset=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2023\/07\/Chantal-headshot-lo-res-600x600.jpg 600w, https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2023\/07\/Chantal-headshot-lo-res-150x150.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/figure>\n\n<h3 class=\"gb-headline gb-headline-967309d9 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/chantal-thibodeau-kc\/\">Chantal Thibodeau, KC<\/a><\/h3>\n\n<div class=\"gb-headline gb-headline-8d5aeb82 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/chantal-thibodeau-kc\/\">Partner<\/a><\/div>\n\n<p class=\"gb-headline gb-headline-80232c41 gb-headline-text\">(506) 801-4559<\/p>\n\n<p class=\"gb-headline gb-headline-d2182390 gb-headline-text\"><a href=\"mailto:cthibodeau@fidelislaw.ca\">cthibodeau@fidelislaw.ca<\/a><\/p>\n\n<div class=\"gb-container gb-container-056c596d\">\n<a class=\"gb-button gb-button-ffc23fa6 gb-button-text\" href=\"https:\/\/fidelislaw.ca\/dev\/team\/chantal-thibodeau-kc\/\">Read Bio<\/a>\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-0c75f229 gb-query-loop-item post-2863 lawyer type-lawyer status-publish has-post-thumbnail hentry practice-area-taxonomy-atv-snowmobile-accident practice-area-taxonomy-car-motorcycle-accidents practice-area-taxonomy-long-term-disability-claims practice-area-taxonomy-medical-malpractice practice-area-taxonomy-pedestrian-cyclist-accident practice-area-taxonomy-property-damage-claim practice-area-taxonomy-slip-falls practice-area-taxonomy-spinal-cord-injury\"><div class=\"gb-container gb-container-0c75f229\">\n<figure class=\"gb-block-image gb-block-image-d8e41c77\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/justin-robichaud-kc\/\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-112_2-600x600.jpg\" class=\"gb-image-d8e41c77\" alt=\"\" srcset=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-112_2-600x600.jpg 600w, https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-112_2-150x150.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/figure>\n\n<h3 class=\"gb-headline gb-headline-967309d9 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/justin-robichaud-kc\/\">Justin Robichaud, KC<\/a><\/h3>\n\n<div class=\"gb-headline gb-headline-8d5aeb82 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/justin-robichaud-kc\/\">Partner<\/a><\/div>\n\n<p class=\"gb-headline gb-headline-80232c41 gb-headline-text\">(506) 804-2058<\/p>\n\n<p class=\"gb-headline gb-headline-d2182390 gb-headline-text\"><a href=\"mailto:jrobichaud@fidelislaw.ca\">jrobichaud@fidelislaw.ca<\/a><\/p>\n\n<div class=\"gb-container gb-container-056c596d\">\n<a class=\"gb-button gb-button-ffc23fa6 gb-button-text\" href=\"https:\/\/fidelislaw.ca\/dev\/team\/justin-robichaud-kc\/\">Read Bio<\/a>\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-0c75f229 gb-query-loop-item post-2878 lawyer type-lawyer status-publish has-post-thumbnail hentry practice-area-taxonomy-atv-snowmobile-accident practice-area-taxonomy-car-motorcycle-accidents practice-area-taxonomy-cpp-disability practice-area-taxonomy-letters-of-administration practice-area-taxonomy-long-term-disability-claims practice-area-taxonomy-pedestrian-cyclist-accident practice-area-taxonomy-power-of-attorney practice-area-taxonomy-short-term-disability practice-area-taxonomy-slip-falls practice-area-taxonomy-weddings practice-area-taxonomy-wills\"><div class=\"gb-container gb-container-0c75f229\">\n<figure class=\"gb-block-image gb-block-image-d8e41c77\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/marie-eve-nowlan\/\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-336_2-600x600.jpg\" class=\"gb-image-d8e41c77\" alt=\"\" srcset=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-336_2-600x600.jpg 600w, https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-336_2-150x150.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/figure>\n\n<h3 class=\"gb-headline gb-headline-967309d9 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/marie-eve-nowlan\/\">Marie-Eve Nowlan<\/a><\/h3>\n\n<div class=\"gb-headline gb-headline-8d5aeb82 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/marie-eve-nowlan\/\">Lawyer<\/a><\/div>\n\n<p class=\"gb-headline gb-headline-80232c41 gb-headline-text\"> (506) 870-8607<\/p>\n\n<p class=\"gb-headline gb-headline-d2182390 gb-headline-text\"><a href=\"mailto:mnowlan@fidelislaw.ca\">mnowlan@fidelislaw.ca<\/a><\/p>\n\n<div class=\"gb-container gb-container-056c596d\">\n<a class=\"gb-button gb-button-ffc23fa6 gb-button-text\" href=\"https:\/\/fidelislaw.ca\/dev\/team\/marie-eve-nowlan\/\">Read Bio<\/a>\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-0c75f229 gb-query-loop-item post-2862 lawyer type-lawyer status-publish has-post-thumbnail hentry practice-area-taxonomy-atv-snowmobile-accident practice-area-taxonomy-car-motorcycle-accidents practice-area-taxonomy-long-term-disability-claims practice-area-taxonomy-medical-malpractice practice-area-taxonomy-pedestrian-cyclist-accident practice-area-taxonomy-slip-falls practice-area-taxonomy-spinal-cord-injury\"><div class=\"gb-container gb-container-0c75f229\">\n<figure class=\"gb-block-image gb-block-image-d8e41c77\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/marie-josee-ouellette\/\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-034_2-600x600.jpg\" class=\"gb-image-d8e41c77\" alt=\"\" srcset=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-034_2-600x600.jpg 600w, https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-034_2-150x150.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/figure>\n\n<h3 class=\"gb-headline gb-headline-967309d9 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/marie-josee-ouellette\/\">Marie-Jos\u00e9e Ouellette<\/a><\/h3>\n\n<div class=\"gb-headline gb-headline-8d5aeb82 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/marie-josee-ouellette\/\">Partner<\/a><\/div>\n\n<p class=\"gb-headline gb-headline-80232c41 gb-headline-text\">(506) 804-2056<\/p>\n\n<p class=\"gb-headline gb-headline-d2182390 gb-headline-text\"><a href=\"mailto:mjouellette@fidelislaw.ca\">mjouellette@fidelislaw.ca<\/a><\/p>\n\n<div class=\"gb-container gb-container-056c596d\">\n<a class=\"gb-button gb-button-ffc23fa6 gb-button-text\" href=\"https:\/\/fidelislaw.ca\/dev\/team\/marie-josee-ouellette\/\">Read Bio<\/a>\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-0c75f229 gb-query-loop-item post-2841 lawyer type-lawyer status-publish has-post-thumbnail hentry practice-area-taxonomy-atv-snowmobile-accident practice-area-taxonomy-car-motorcycle-accidents practice-area-taxonomy-long-term-disability-claims practice-area-taxonomy-pedestrian-cyclist-accident practice-area-taxonomy-property-damage-claim practice-area-taxonomy-slip-falls practice-area-taxonomy-spinal-cord-injury\"><div class=\"gb-container gb-container-0c75f229\">\n<figure class=\"gb-block-image gb-block-image-d8e41c77\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/mathieu-n-picard\/\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-178_2-600x600.jpg\" class=\"gb-image-d8e41c77\" alt=\"\" srcset=\"https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-178_2-600x600.jpg 600w, https:\/\/fidelislaw.ca\/dev\/wp-content\/uploads\/2024\/07\/Fidelis-March2024-178_2-150x150.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/figure>\n\n<h3 class=\"gb-headline gb-headline-967309d9 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/mathieu-n-picard\/\">Mathieu N. Picard, KC<\/a><\/h3>\n\n<div class=\"gb-headline gb-headline-8d5aeb82 gb-headline-text\"><a href=\"https:\/\/fidelislaw.ca\/dev\/team\/mathieu-n-picard\/\">Partner<\/a><\/div>\n\n<p class=\"gb-headline gb-headline-80232c41 gb-headline-text\">(506) 804-2057<\/p>\n\n<p class=\"gb-headline gb-headline-d2182390 gb-headline-text\"><a href=\"mailto:mpicard@fidelislaw.ca\">mpicard@fidelislaw.ca<\/a><\/p>\n\n<div class=\"gb-container gb-container-056c596d\">\n<a class=\"gb-button gb-button-ffc23fa6 gb-button-text\" href=\"https:\/\/fidelislaw.ca\/dev\/team\/mathieu-n-picard\/\">Read Bio<\/a>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>What to do during an LTD claim Fidelis long-term disability lawyers<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":2911,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-2937","page","type-page","status-publish"],"acf":[],"_links":{"self":[{"href":"https:\/\/fidelislaw.ca\/dev\/wp-json\/wp\/v2\/pages\/2937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fidelislaw.ca\/dev\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fidelislaw.ca\/dev\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fidelislaw.ca\/dev\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fidelislaw.ca\/dev\/wp-json\/wp\/v2\/comments?post=2937"}],"version-history":[{"count":7,"href":"https:\/\/fidelislaw.ca\/dev\/wp-json\/wp\/v2\/pages\/2937\/revisions"}],"predecessor-version":[{"id":14305,"href":"https:\/\/fidelislaw.ca\/dev\/wp-json\/wp\/v2\/pages\/2937\/revisions\/14305"}],"up":[{"embeddable":true,"href":"https:\/\/fidelislaw.ca\/dev\/wp-json\/wp\/v2\/pages\/2911"}],"wp:attachment":[{"href":"https:\/\/fidelislaw.ca\/dev\/wp-json\/wp\/v2\/media?parent=2937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}