Long-Term Disability Claims

Many employees are fortunate to have short-term and long-term disability (LTD) packages through their employers, which provide some financial security when an employee sustains an injury or illness and is unable to work. As with any insurance claim, you may need legal representation to obtain the full value of the benefits you are entitled to. Krylov Lam & Company has extensive experience with short-term and long-term disability claims. Our Ontario short-term and long-term disability lawyers have the expertise and resources needed to ensure that injured people receive all of the benefits they deserve.

Long-Term Disability Claims

In order to qualify, an employee must satisfy certain criteria that should be clearly stated in his or her employer’s group policy manual. Most policies have two distinct qualifying disability definitions, over two periods:

• The first period is generally the first two years of disability. During this time, the test for disability is whether or not the individual is able to perform the job he or she was doing at the time of sickness or injury.
• The second period commences after two years. At this point, the employee must show that he or she is unable to perform any job for which he or she is able to perform, taking into consideration age, education and experience. Frequently, insurers deny benefits at the outset or at some period of disability, despite evidence from treating physicians that the employee is in fact unable to return to work.

In many instances, LTD claims are combined with or related to other litigation claims, like car accidents, workers’ compensation claims and Canada Pension Plan appeals.

Do Not Let Insurance Companies Intimidate You

Krylov Lam & Company is available to answer any enquiries you have regarding long- and short-term disability claims. Any accident claim presents many complexities. One of our lawyers can review your case and explain what we can do to help you get the benefits you are entitled to.

Contact us for a free consultation with an experienced personal injury lawyer.

We are on your side. So don’t settle, win!