Toronto Long Term Disability Lawyers

Navigating long-term disability (LTD) claims in Toronto can be challenging. At Gluckstein Lawyers, we provide compassionate and skilled legal advocacy to help clients overcome unique regional obstacles and reach fair outcomes. With over 60 years of experience in disability law, we’ve recovered millions in compensation for our clients. Our personalized strategies are tailored to meet your unique needs.

Toronto's fast-paced working environment, high cost of living, cultural diversity, and aggressive insurance tactics make the climate for LTD claims difficult. The majority of claims are a result of very challenging work with special contract conditions, requiring accuracy in establishing disability. The city's high cost of living amplifies the financial impact of denied benefits, so timely support is critical to maintaining stability. Toronto's diverse population may also face language issues or cultural misunderstandings during the process of claims, which complicates communication with insurers. Our experienced personal injury lawyers meet these challenges with a compassionate, individualized approach, providing aggressive advocacy to combat adverse insurance practices and obtain the recovery you deserve.

If your LTD claim has been denied or put on hold, we are here to assist you. Contact us today for a complimentary consultation and get the help you deserve.

Qualifying for Long-Term Disability Benefits. 

Long-term disability (LTD) benefits provide financial support to people who cannot work due to a serious illness or injury. Long-term disability in Ontario is typically defined as a condition preventing a person from performing the substantial duties of their job for an extended period of time. Over time, some policies may evolve to require that the disability prevents any form of gainful employment, not necessarily the person's current job.

Eligibility to receive LTD benefits is determined by the policy's terms and conditions. In general, claimants must show medical proof of disability to work and meet any waiting period outlined in their policy, which is also known as the "elimination period." Claimants must have also been employed and enrolled under their policy of insurance when disabled. You need to thoroughly read your policy so that you can understand the requirements for presenting an effective LTD claim and ensure that you're complying with all the deadlines and document requirements.

What injuries qualify for long-term disability in Toronto?

• Fibromyalgia and Chronic Pain
• Long-Haul COVID Claims
• Slip and Falls
• Traumatic Brain Injuries
• Motor Vehicle Accidents
• Mental Health and PTSD
• Chronic Fatigue Syndrome (CFS)

What is the process for filing a Long-Term Disability Claim in Toronto?

Filing a long-term disability (LTD) claim can be complex. Here are some quick tips:

1. Review Your Policy: Be aware of your eligibility, coverage, and time limits.
2. Notify Your Employer/Insurer: Inform your employer or insurer of your disability promptly.
3. Fill Out Forms: Fill out all employer or insurer claim forms.
4. Provide Medical Proof: Submit complete documentation from your doctor confirming your condition.
5. Meet the Elimination Period: Check your policy for the waiting period before applying.
6. Submit Your Claim: Send back all returned documents and forms in a timely fashion.
7. Follow Up: Check in with your insurer and inquire about your claim.
8. Seek Legal Help if Denied: Contact a disability lawyer to talk over appealing or other recourse if denied a claim.

Following these steps ensures a smoother claims process.

What if I'm Denied a Claim?

There are several reasons why an insurance company would deny a long-term disability claim, including:

• Not Adhering to Policy Conditions: You may not qualify under the "disability" definition outlined in their insurance policy or fail to qualify under the terms of the plan. 
• Lack of Medical Evidence: You may not have submitted adequate medical evidence to confirm your disability and inability to work.
• Missing Deadlines: Missed deadlines on the submission of forms, documents, or the requested information can automatically disqualify the claim. 
• Pre-Existing Conditions: If your disability is a result of a pre-existing condition not covered by the policy, the claim can be denied.
• Failure to Comply with Treatment Plans: Failure to comply with prescribed medical care or treatment can make insurers doubt the severity of the condition.

Understanding these factors can help you avoid common pitfalls and strengthen your claim.

If your long-term disability claim is denied, it’s essential to take the following steps to understand the reason and determine your options for moving forward:

1. Read the Denial Letter: Read the denial letter carefully to identify the specific reasons behind the denial. This will help you understand what the insurer is thinking and whether you are able to address their concerns.
2. Gather Documents: Obtain a copy of your policy, the insurer's claim file, and all of the correspondence in the case so that you have the complete picture of your claim.
3. Assess the Feasibility of an Appeal: Based on the reasons for denial, determine if you are able to gather additional evidence, fix mistakes, or present further documentation to support your claim.
4. Appeal a Denial: If you believe the ruling was unjust, appeal within the timeframe specified in your insurer's notice of denial, along with any forms and paperwork that are specified.
5. Seek Legal Counsel: Consult with a disability lawyer to evaluate your case and consider legal options should you believe the denial was unreasonable or unfair.
6. Consider Filing a Lawsuit: If all avenues of appeal have been exhausted, you can choose to sue, depending on the circumstances of your case and the advice of legal counsel.

Taking timely, informed action is necessary to protect your rights.

How a Toronto Long-Term Disability Lawyer Can Assist.

At Gluckstein Lawyers, we pride ourselves on providing compassionate, client-centered representation to people who are facing the difficulties of long-term disability claims. We understand how overwhelming a denial of a claim can be and are here to guide you every step of the way.

Our experienced team can manage initial claims, appeals, and lawsuits. We'll review your policy and denial letter thoroughly to clarify your rights and options. During the appeal process, we will gather crucial medical records and expert opinions to make a strong case. If litigation is necessary, we advocate fiercely in court to win the benefits you're entitled to.

From interpreting complex insurance policies to preparing compelling legal arguments, we leave no stone unturned in pursuing the best possible outcome for your case. If you're being denied a claim or need guidance, contact a Gluckstein Toronto long-term disability lawyer today for a free consultation and take that first step toward the financial support you deserve.

Locations We Serve.

• Guelph
• Hamilton
• Waterloo
• Oshawa

Gluckstein Lawyers is Here to Help.

Living with a long-term disability can be emotionally and financially exhausting. An effective claim can provide the vital assistance that you need, and our experienced Toronto lawyers are ready to help. At Gluckstein Lawyers, you'll receive sensitive, dedicated advocacy designed specifically to suit your individual case. Our professionals will work towards securing the compensation you deserve, along with advancing the rights on which you should rest. Contact us today for a no-obligation free consultation and let us guide you down the path towards the care and peace of mind you need.

FAQ's.

• How long do I have to file a lawsuit if my long-term disability claim is denied in Ontario?
• Can I apply for long-term disability benefits in Toronto if I’m already receiving short-term disability?
• Is there a maximum amount of long-term disability benefits I can receive in Toronto?
• How is long-term disability insurance different from WSIB benefits in Toronto?
• Do I need to be under continuous medical care to receive long-term disability benefits in Ontario?
• Can I appeal a long-term disability denial on my own, or do I need a lawyer?
• How long does it take to resolve a long-term disability lawsuit in Toronto?