If you have suffered a physical or psychological injury or illness that prevents you from being able to work, you may be entitled to long-term-disability (LTD) benefits. If your employer offers you LTD coverage as part of a group benefits package, or you purchased an individual policy on your own, you may be entitled to continue receiving a portion of your salary if you are unable to work due to injury or illness. Every LTD policy is different, and the availability and amount of benefits will depend on the policy. It is important to submit an application for LTD benefits as early as possible to get the process started and begin receiving any payment you are entitled to.
LTD policies are complex and often contain ambiguous terms. There are numerous requirements relating to waiting periods, premiums, calculations of entitlement and minimum work hours that one should be familiar with when applying for LTD benefits. Although LTD benefits can be a vital lifeline if you are unable to work, and should be pursued to the fullest extent, getting the process started can be burdensome, especially when trying to prove with medical evidence that you meet the definition of having a “disability”. If your application is denied, or your benefits are terminated, you should contact a lawyer promptly to advise you of all your rights and options. You may be in a position to pursue an action against your LTD insurer.
My partner and I were in a very serious accident that left me in the hospital’s ICU for several months. Shortly after, we met Jennifer. She was both compassionate and professional from our first meeting. It was reassuring to have her expertise as we proceeded with our accident claim. Following my partner’s tragic accident the following year, Jennifer continued to be supportive. I was happy to receive a great settlement in compensation for my injuries, and would not hesitate to recommend Jennifer to others in a similar situation. Jennifer’s support and guidance through this traumatic life experience made a world of difference.
I was extremely impressed with Jennifer’s work, organization skills and attention to detail. I love the way she works. She was a gift from God to us – an angel who came to our defense. She is unique and an inspiration. She helped our family out tremendously, and not just in relation to money she obtained for us (settling our case).
Jennifer was very professional and worked hard on my case. She took my over my file from a previous lawyer, and had limited time to sort everything out. She did not give up on my case, and moreover, did an excellent job! I was really fascinated by the outcome, and moreover, overwhelmed when I heard the final settlement. I want to thank Jennifer for her determination, analytical skills, and patience during the years she worked with me, and during the pre-trial, when she negotiated the final settlement. I am very grateful to have met Jennifer and to have her as my lawyer. I cannot imagine finding anyone better. I would not hesitate to recommend Jennifer to anyone in need of a sound, and highly professional lawyer.
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