Long-term Disability Lawyers in Toronto
Long-term disability lawyers, otherwise known as disability insurance lawyers, are there to help individuals who are denied disability insurance and other assistance. The seasoned disability lawyers based in Ontario at Steinmetz & Associates are here to protect local claimants with their cases
All About Long-term Disability (LTD) Lawyers Benefits
When an individual experiences a catastrophic accident or disease that prevents them from returning to work, they can start a claim for long-term disability (LTD) benefits to receive their pre-injury income to cover medical care, home care, rehabilitative care, and other essential expenditures. LTD benefits are either received from the employer or via a private insurance provider. In either case, it’s possible that these individuals are denied their rightful financial assistance due to minor discrepancies in the process. That is where a skilled long-term disability insurance lawyer comes to assistance. The long-term disability lawyer you opt for should have expertise in litigating disability income insurance claims from a private provider or should grasp how provincial and federal legislation applies to these cases. LTD lawyers assist the injured and disabled individuals in the process of repealing the denial.
The most common cause of LTD benefits denial that disability lawyers in Toronto face is when employers deny the diagnosis of the injury or illness put forward by the doctor. That is because, in the case of physical impairments, the full nature of the disability is often not immediately visible. Such examples include mental health concerns or chronic pain during which it is more difficult to demonstrate that an individual is suffering or unable to work. Individuals that fall under the latter category are unfortunately more likely to require the assistance of a long-term disability lawyer in order to receive their benefits. Additionally, the current state of the injured party may not allow them or their family to properly claim their benefits due to the complex application process. Keep in mind that the majority of long-term benefits claims take anywhere from 2-3 months to half of a year in order to be approved. When the claimant is denied, they will have a set period of time to gather more documentation as proof to appeal the claim. This process is stress-inducing, intricate, time-sensitive, and often requires further medical opinions, which is the primary reason individuals refer to the help of long-term disability lawyers to execute the process according to necessary protocol.
What an LTD Lawyer Can Do For Your Claim?
Steinmetz & Associates’ Personal injury lawyers in Toronto are prepared to take on your case to ensure you get the coverage you need. Whether you were fully denied or received benefits for a period of time and then the coverage was terminated, an LTD lawyer will take a closer look at the criteria for receiving the insurance to determine the circumstances of the denial. Employers and insurance companies alike may be taking advantage of the difficult time in your life to make receiving your rightful benefits even more complicated than necessary. Our long-term disability benefits attorneys will aim to obtain appropriate compensation and assistance for the physical, emotional, and mental stress caused by an accident, injury, or disease.
You may be wondering, “can I apply to receive LTD benefits independently or do I need to refer to a long-term disability lawyer near me” The majority of claimants apply on their own, but make discrepancies in the application process that can result in immediate denial. There is not much a long-term disability lawyer can do if you submitted an insufficient application. Refer to a long-term disability lawyer in Toronto to discuss how to initiate your claim accurately and efficiently.
Steinmetz & Associates’ long-term disability lawyers in Toronto will assist you in completing claim forms, as well as examining your medical records and proposing any further doctor visits or medical tests that may strengthen your claim. Consultations with one of our LTD lawyers is recommended in order to avoid the traps that insurance companies may use to reject your coverage. If your claim is refused, establishing your condition’s continued eligibility and submitting an administrative disability appeal as soon as possible can assist. Your long-term disability attorney will advise you how to prepare evidence and get expert witness testimony. If required, you can take the case to court with the assistance of our seasoned long-term disability lawyers in Toronto.