Misconceptions About Long-Term Disability Benefits in Ontario

When considering disability for the first time, it can be a daunting task to fully understand how the long-term disability process works. How do you qualify? How long do benefits really last? Is the application process worth it? 

If you want to learn more about the misconceptions surrounding long-term disability benefits (LTD) in Ontario, then allow the lawyers at Chorney Sidhu Injury Lawyers to explain everything you need to know about LTD misconceptions.

Misconceptions About Long-Term Disability Benefits in Ontario: 4 Examples

Benefit eligibility is a topic widely discussed among many communities, including through both word of mouth and the internet. As a consequence, there are plenty of misconceptions concerning LTD claims that spread as fact, making those with actual viability for disability appeals less sure of their ability to apply. If you want to help yourself better understand policy misunderstandings, here are a few:

1. Insured Benefits Seekers Must Appeal Through Insurance

There is a common misconception that if you go through claim denials, you will need to apply through your insurance company internally. This is false; if denied, you need not work through your insurance company, as internal appeals often have a low likelihood of success.

The strategy that insurance companies typically follow involves delays after delays that are meant to be arduous since the injured person is often in financial distress, and these constraints only become tighter over time. Instead, start by talking to a lawyer at Chorney Sidhu about how to proceed. 

2. Benefit Seekers Must Provide Objective Evidence

Another misconception is that anyone seeking disability benefits must provide objective, physical evidence of their disability; this is another false assumption.

There are plenty of debilitating conditions out there that have invisible evidence, like chronic pain or mental disorders that make working impossible. No X-ray or MRI evidence is necessary to substantiate a disability claim.

3. Benefits Stop After Two Years

One of the more common misconceptions about long-term disability benefits in Ontario is that benefits stop after two years, but this is false. Benefits continue after two years, typically only stopping if the insured person can find an occupation that suits their abilities.

4. You Can not Return to Work After Claiming LTD Benefits

You absolutely can return to work if you’re capable. After claiming LTD benefits and discovering that you can return to work, make sure to inform your disability insurer that you are returning to work and report any income you receive. If you want to return in earnest, we recommend consulting a personal injury lawyer to fully understand how this may impact your return.

You Know What To Do… Call Chorney Sidhu Injury Lawyers 

Now that you understand misconceptions about long-term disability benefits in Ontario contact Chorney Sidhu Injury Lawyers so that you can understand your rights.

If you want to learn more about long-term disability, how to substantiate your claim, and what you can do to make the process easier and more affordable to handle, consider giving Chorney Sidhu Injury Lawyers a call at 844-487-8482 today.