Long Term Disability Lawyers
Our Long-Term Disability lawyers assist individuals dispute their denied disability claims. Unfortunately, many individuals do not dispute their long-term disability (LTD) benefit denials because they are unaware of their right to sue their insurance company for breach of contract. Frequently, insurance companies approve disability benefits for a period of time, before denying continued benefits approximately two years after the disability begins. They often begin denying the claim because of a “change in definition” contained within the disability policy. In other instances, the long-term disability claim is denied immediately after it is submitted.
It is important for individuals faced with a denied long-term disability claim to realize that the objective of insurance companies is to make as much profit as possible for their shareholders. When insurance companies deny their benefits claim, many people fear the idea of fighting large insurance companies with enormous financial resources. However, you pay premiums each month to possess to a long-term disability policy; if you are unable to work, you should be able to access that policy. Do not simply accept the insurance company’s decision not to pay your benefits. Instead, consult with a long-term disability lawyer who can help you hold the insurance company to account.
The legal professionals at Foster Injury Law have handled many long-term disability lawsuits and can provide a no-cost, no obligation, case evaluation. We have experience successfully pursuing long term disability lawsuits for individuals suffering from chronic pain, concussions, anxiety, depression, fibromyalgia, autoimmune disorders, chronic fatigue syndrome, chronic pain disorder, sexual abuse, post-traumatic stress disorder, along with a wide range of other disabling medical conditions.
Free Consultation with an Experienced Long Term Disability Lawyer
If your long term disability claim has been denied, please don't hesitate to call us at 705-408-4438 or 416-649-8280, or complete the form below for a free consultation.
Complete this form and someone from our office will contact you to arrange a free consultation. We work on a contingency basis, meaning you do not have to pay unless we resolve your claim successfully.
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Long Term Disability Attorneys
There are many reasons LTD insurance companies will provide as to why your claim was denied for benefits. Those reasons include a chance of definition that occurs at the two year mark, surveillance they believe is damaging to your claim, their belief that your disability does not meet the definition of disability contained within the policy, they or their doctors believe you can work, or you have a pre-existing medical condition that affects your eligibility under the policy.
Our disability lawyers have experience disputing these various reasons for denied claims. We represent individuals with long-term disability lawsuits in Barrie, Vaughan, Orillia, Newmarket, Muskoka, and throughout Ontario. We have represented clients with ltd claims resulting from brain injuries, catastrophic injuries, orthopedic injuries, psychological disorders, chronic pain, depression, anxiety, and more.
How are long term disability settlements calculated? There are many factors that enter into determining what constitutes an appropriate long term disability settlement. Firstly, we will claim a back payment of benefits for the amount of time that you have been unable to work but not receiving benefits. Secondly, we will project the benefits into the future until you are no longer covered by the policy. Most LTD policies pay benefits until age 65. Thirdly, we discount the future benefits for "present value" - that is the benefit to have the money earlier rather than later. Then finally, we have to analyze the strength of the evidence in your case and likelihood of success at a trial. While trials rarely occur in long-term disability cases, potential outcomes are important to determining appropriate settlements.
There are several factors that enter into assessing the strength of the evidence in your case. A few of those factors include:
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Does your family doctor support your disability?
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Is there a treating specialist support your disability?
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Are you obtaining regular treatment?
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Is your condition likely to worsen, stay the same, improve?
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What is the test of disability contained within your insurance policy?
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Is there a realistic potential that you will return to work in the future? if so, when?
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Are there other benefits such as CPP disability benefits which reduce the size of your LTD monthly benefit?
If you live in Ontario and are wondering if you or a loved one may have the right to a disability lawsuit, don't hesitate to contact us for a free consultation.
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