Claims for Long Term Disability typically arise when you suffer physical or mental injury or illness that renders you unable to perform your normal duties at work. The nature of the injury or illness may prevent you from re-entering the workforce for a prolonged period of time, or permanently.

Long Term Disability benefits are the payments you receive from the insurance company to replace your salary or wages during the period you are unable to work due to disability resulting from injury or sickness. Essentially, Long Term Disability payments replace a portion of your income until you are able to return to work.

If you suffer from a Long Term Disability and have concerns about whether you are getting the financial support you are entitled to, get in touch with our lawyers immediately. With 40 years addressing insurance and disability claims, the team of disability lawyers at Equity Law Firm LLP understand the complexities involved in the insurance claims process. We can provide you with the assistance and guidance required to file initial claims, as well as pursue appeals when claims are denied.

• Wrongful denial of Long Term Disability claims
• Wrongful termination of Long Term Disability benefits
• Improper calculation or recalculation of the benefit amount
• Requiring unreasonable retraining efforts
• Requiring unreasonable medical treatment
• Requiring unreasonable medical examinations
• Negligently misunderstanding medical evidence
• Deliberately misunderstanding medical evidence
• Breach of privacy rights of claimants and their families

The situation varies from person to person and employer to employer, but generally speaking, most people will be entitled to some or all of sick days or salary continuation paid by an employer, Employment Insurance (EI) paid by the Government of Canada, then Short Term Disability benefits and Long Term Disability benefits paid by an insurance company under either a group policy arranged by the employer, or a private policy previously purchased by a disabled claimant.

Under group policies, disability benefits are often payable for two years if the claimant cannot perform the duties of their own occupation, and after two years if they cannot perform the duties of any occupation that is reasonably suitable. Private disability policies may follow this common arrangement, but they can also be quite different. Whether it is a group disability policy or a private disability policy, it is always important to check the policy itself for the specific terms and conditions—as they can vary considerably from this format.

No-fault Insurance and Statutory Accident Benefits
If you have been injured in a motorcycle accident, car accident, bicycle accident or as a pedestrian by a vehicle, you are entitled to benefits under no-fault insurance. In such instances, your own insurance company provides coverage for your injuries—which provides compensation for your medical rehabilitation, lost wages, and other losses.

Long-term Disability Claims
When you are unable to work due to a disability, you deserve timely and full payment of available compensation when you or your employer have made regular payments to long-term disability (LTD) insurers.

The process of obtaining and keeping Long Term Disability benefits can be difficult, confusing, and opaque. As Long Term Disability claims lawyers with  40 years of experience, we have seen it all.

It is all too common for sufferers of long-term disabilities to face unfair denial or termination. Sometimes, the insurance companies even get the benefit amount wrong.

To get your due from Long Term Disability insurance, you need to engage experts who know this area of the law and will provide you with the guidance and support you need.

Equity Law Firm LLP prides itself on its ethos of “client-first”; and there is no better proof of that than how we handle Long Term Disability claims. Our lawyers take on the burden of fighting for your rights, letting you concentrate on long term treatment and healing.

Claiming personal injury damages after any type of motor vehicle accident can be complicated. A mistake in procedure or improperly completed documents may potentially result in your claim being denied or delayed. Equity Law Firm LLP is here to help.
Our lawyers come to you to understand your specific needs. It is by spending time with you, and with our decades of experience, that we are able to help you meaningfully. You will deal with professionals who are well-versed in Long Term Disability claims law and are committed to making sure you get the benefits you’re entitled to.

Our long term disability injury lawyers have many stories of getting clients the benefits they were entitled to, even after wrongful denials and terminations by their Long Term Disability insurance companies. Our Long Term Disability practice protects you from the intrusive and labyrinthine insurance claims processes, and makes sure you get the fair and proper treatment that is owed to you.

Whether you are facing unreasonable and unsuitable demands for medical treatment, or being required to partake in training or work that is wholly unsuited to your medical condition or natural abilities, we can help.

Insurers can be quite aggressive when it comes to reducing their liability for paying long term disability benefits. From wrongfully triggering clauses in your Long Term Disability insurance policy that will reduce the amount of your benefit, to stopping payouts altogether for minor or even imagined breaches of condition, insurer misconduct is, unfortunately, all too common.

There are numerous instances of adjusters employing unsavoury and downright deceitful tactics to make your disability appear less serious than it is and, on that basis, cut off or deny you benefits. You do not have to tolerate such misconduct.