Long-Term Disability Lawyers Brampton

Our personal injury and disability lawyers help disabled individuals in Brampton, ON, file disability claims. Call us to schedule a FREE consultation today!

Brampton Long-Term Disability Lawyers

Chronic illnesses, traumatic injuries, and other effects of an accident can prevent you from returning to work. Navigating the challenges of such income loss creates additional stress you shouldn’t have to endure. You may be eligible for long-term disability compensation.

If you live in Ontario and seek a long-term disability lawyer, Brampton offers a law firm instrumental in your claim: Chorney Sidhu Injury Lawyers. If you’ve suffered or currently suffer a physical or mental injury or severe illness and have a long-term disability policy, we can help. Our team can fight your insurance company’s denial of benefits and help you reach a better outcome.

What Type of Disability Qualifies for Long-Term Disability Benefits?

Not all situations require you to hire a long-term disability lawyer. In order to qualify for Long Term Disability Benefits you must have a disabling condition that satisfies the definition of disability as defined under your specific policy for insurance. Each policy is unique.

Each disability insurance policy has different definitions regarding disabilities. These definitions may determine whether you’ll be eligible or limited to a particular benefit amount.

In most cases, a qualifying long-term disability is a disability that “totally” prevents you from substantially returning to your work or performing your regular job tasks. Such conditions include:

  • Chronic Pain Disorder
  • Musculoskeletal disorders like arthritis and fibromyalgia
  • Mental illnesses, including depression, insomnia, anxiety, PTSD, and bipolar disorder
  • Cancer
  • Cardiovascular conditions, including heart attack and stroke
  • Diabetes
  • Respiratory diseases, from asthma to chronic obstructive pulmonary disease (COPD)
  • Mild Traumatic Brain Injury (MTBI)

Disability claim coverage depends on the policy’s details, your capabilities, and diagnostic treatment plans. Some insurance companies require policyholders to apply for the Canada Pension Plan (CPP) when filing a long-term disability claim. Others require you to join rehabilitation if your prognosis could lead to recovery. We will asses your situation and determine if LTD is the right approach; for other types of injuries, like slip and fall, we can explore other options.

Chorney Sidhu Injury Lawyers have significant expertise in identifying qualifying conditions. Our professionals can help you understand your group or private insurance policy’s coverage details. We offer a free consultation to help determine if we’re the right fit.

What Are Long-Term Disability Benefits?

Long-term disability benefits are payments your employer’s insurance or your private insurance broker sends you if you are unable to work due to a disability resulting from a physical or mental illness or personal injury. These benefits help you recover a portion/ percentage of your pre-disability income loss.

Most long-term disability benefits cover up to 67% of your gross income. Additional disability benefits, such as the Canada Pension Plan Disability Benefits (CPPD), may offset the amount of long term disability benefits that you receive.

Am I entitled to long-term disability benefits?

You may be entitled to long-term disability benefits. A long-term disability lawyer in Brampton from Chorney Sidhu Injury Lawyers can determine whether you’re eligible. We remain realistic when analyzing your case.

Whether you have had a benefit denies or you are curious whether you are eligible, our team has the experience and resources to identify if you have a case against your insurance provider. Remove this bolded and underlined sentence — You must meet the definition of “disability,” as your insurance policy states.

If you can successfully prove that your disability substantially interferes with your ability to do your own occupation your insurance company must pay for 24 months after you have satisfied the “elimination period” (the majority of policies require120 days from the date of disability) during this time you should apply for Employment Insurance Sick Benefits and short-term disability payments (if available). After 24 months from the date of disability if you cannot work in any occupation you may be entitled to receive benefits beyond the first 24 months.

long-term disability lawyers in brampton

Proving a Disability

Proving your disability can be incredibly challenging. It’s crucial to contact a lawyer and seek medical assistance as soon as you suffer from a personal injury or illness. We understand the stress of proving your disability and preventing a lengthy process with insurance representatives.

Lawyers from Chorney Sidhu Injury Lawyers remain with you throughout the process. We ensure you have the necessary documentation to prove your disability and avoid benefit denials.

You satisfy the definition of “total disability” if you have medical evidence that supports that you cannot perform your regular work tasks within two years of becoming disabled.

You’ll need the following to prove your disability:

  • Written statements from your treatment providers discussing your injury or illness’s causes, severity, and prognosis

  • Other tangible proof, including medical documentation and test results confirming your injury

  • Evidence of decreased work activity or loss of wages

If your condition isn’t pre-existing, you’ll also need to prove you were actively engaged in employment at the injury or illness’s occurrence.

Claim Deadlines for Long-Term Disability

Although you may be entitled to receive long-term disability benefits, you must file a claim within a certain time period (also called the Notice Period). The majority of policyholders have to wait 120 days before they can apply for Long Term Disability(called the elimination period).

You can receive short-term disability benefits during this waiting period if available and if you satisfy the eligibility requirements. Then, you can apply for long-term benefits if you continue to meet the eligibility conditions.

It’s best to file your long-term disability claim as soon as possible. One of Ontario’s top reasons for long-term disability claim denials is missed deadlines.

Hiring a lawyer from Chorney Sidhu Injury Lawyers can streamline and speed up the proof collection process to help you return to your normal lifestyle faster.

Requirements for Receiving LTD Benefits

brampton long-term disability lawyers

In addition to having a “total disability” status, you must meet additional requirements to receive long-term disability (LTD) benefits, including:

  • Continued insurance premium payment

  • Proof of employment during the injury’s occurrence

  • Your policy considers your condition as a qualifying disability

    • The disabling condition isn’t pre-existing (under most Group Coverage Policies (through your employer) this typically is only applicable if you have a disability that arises within 12 months of purchasing/qualifying for benefits).

As a long-term disability lawyer Brampton residents trust, we ensure you meet eligibility requirements before taking on your case.

Waiting Periods for Collecting Long-Term Disability

After you become disabled, you’ll face a waiting period (elimination period) before being eligible to apply for long-term disability benefits. depending on your policy, you must wait between 90 – 120 days after your date of disability to submit an application/ depending on the wording of your specific policy your benefit amount may adjust annually due to increased living costs (COLA- cost of living adjustment) during this waiting period.

Chorney Sidhu Injury Lawyers explain your waiting period requirements and work diligently with your insurance companies to make the process easy. Our lawyers work on a contingency basis, so you don’t pay us unless we win your case.

Settlement Payment Types for LTD Beneficiaries

Different settlement payment types are available for long-term disability claimants. A disability lawyer in Brampton at Chorney Sidhu Injury Lawyers can detail the benefits of each payment type.

  • Reinstatement of your Monthly payments: Regular payments mean you know what to expect each month. This reimbursement method is the most common among Canadian LTD policies.

  • Lump sum payments: A lump sum settlement considers a settlement of past denied and future benefits. This method of recovery can result in “a divorce” from your policy and provide you with control over your future.

What If My LTD Application Was Denied?

Your insurance company may deny your LTD application. If this happens, it’s wise to hire a long-term disability lawyer in Brampton. Your lawyer can request a reconsideration/ appeal the denial if you meet policy requirements and have a claim denial.

Despite this process, you may still receive a rejection.

The most common reasons for denial include the following:

  • The individual applying does not meet all eligibility requirements

  • There is insufficient medical proof

  • The person filing missed critical deadlines

  • The claimant completed or filed documents incorrectly

At Chorney Sidhu Injury Lawyers, we know the ins and outs of the legal process. Our team works around the clock to prevent insurance companies from denying your claim. We double-check all information for accuracy and ensure all documentation is appropriately complete before filing.

long-term disability benefits brampton

Filing an LTD Benefit Appeal

If your employer or private insurance company denies your LTD benefits claim, we can help you file a claim appeal. During the appeal process, the insurance company revisits your claim and makes a final decision on whether to approve or deny your claim based on a review of additional documentation. Please keep in mind that the insurance company owes you a duty of good faith and has a continuing obligation to review additional medical evidence. Failure of the insurance company to review and consider additional medical evidence could result in a claim for Bad Faith or Punitive Damages.

If the insurance company denies your appeal, you can escalate your disability claim with long-term disability lawyers in Brampton. The Chorney Sidhu Injury Lawyers team can provide effective, compelling legal representation and support your claim with expert witnesses.

Do I Need to Purchase Disability Insurance in Ontario?

long-term disability law firm in Brampton

Many individuals in Ontario already have long-term group disability insurance through their employers. Some businesses offer it as an additional benefit, while others automatically include it for employees.

You can also purchase disability insurance through a private plan typically offered an Insurance Broker. Purchasing coverage through private brokers may be unnecessary if you already have coverage via a group plan.

Not everyone purchases disability insurance in Ontario. Brampton residents and business owners may opt out of getting disability coverage. Others may only provide short-term disability policies.

As a local long-term disability lawyer Brampton residents rely on, we can help you navigate filing a claim with your employer’s insurance company or a private policy.

FAQs about Long-Term Disability Lawyers Brampton

At Chorney Sidhu Injury Lawyers, we understand the confusion behind selecting a reliable long-term disability lawyer in Brampton. Our professionals can answer your questions if you face a long-term disability claim denial or are curious about specific aspects of the claim filing process. We offer years of insight into your case’s merit when filing an appeal or initial claim.

Our lawyers answer some of the most common queries we get regarding long-term disability below.

After filing an LTD claim in Brampton, ON, you have several responsibilities to uphold. These responsibilities include mitigating your damages by participating in a recommended recovery/rehabilitation programs, following a return-to-work plan, applying to other benefit programs, and updating your insurance company with ongoing medical records.

Claim amounts depend on the terms if your policy. Law firms like Chorney Sidhu Injury Lawyers in Brampton can help determine the potential settlement amount your LTD claim could bring.

Your disability benefits may decrease if you already receive CPP, EI, vacation pay, or another type of supplemental income. Some policies consider all current benefits you receive, including those related to your disability payments.

Your employer cannot legally fire you after discovering you’ve filed a long-term disability claim. Law firms like Chorney Sidhu Injury Lawyers can protect you if your employer retaliates against you with a wrongful dismissal. we ensure you receive proper protection.

Before applying for long-term disability benefits, you may be eligible for short-term disability insurance benefits. Other crucial insurance types include critical illness insurance and disability mortgage/creditor insurance.

What People Are Saying

Once I met with Savannah and her team I knew that she was the lawyer I wanted. I had confidence in Savannah and Melissa. I liked the way that she finished my case really well. Savannah and Melissa are good and kind lawyers. I was very comfortable with the staff, they understood me and helped me by answering my questions. All the staff were great and even with a language barrier they explained everything to me. I would definitely recommend Chorney Sidhu to all my friends and family.

I had a slip and fall accident and a relative referred me to Savannah Chorney.  I liked Savannah Chorney, Melissa Sidhu and their firm and team, the way they worked on my file.  They really looked after me and I would like to thank Savannah and Melissa for all they did for me.  They are very helpful, professional and whenever I talked to someone from their firm they were polite and went out of their way to help me.  I would definitely recommend them to any family or friends that needed a lawyer.

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How Can Our Brampton Long-Term Disability Lawyers Help?

The Chorney Sidhu Injury Lawyers team has an excellent long-term disability lawyers that Brampton residents can consult with regarding their disability claims.

We have the in-depth legal knowledge you need to file appeals after claim denials. If you have a case, we’ll move your case to the court system.

Our disability law professionals are friendly and compassionate. We understand your concerns and make filing for disability an effortless process.

Choose Chorney Sidhu Injury Lawyers in Brampton, ON, for individualized, caring legal service when you need assistance with your disability claim. If you have a case, we’ll discuss your needs, gather compelling evidence of your illness or injury, and file your claim or appeal.

Contact us today at (844) 487-8482.

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