Long Term Disability Lawyer Kitchener

Short Term Disability Lawyer

Short-term disability (STD) benefit are typically included in employee benefits packages, offering support during temporary periods of disability.

STD and LTD benefits act as income replacements for employees unable to work or fulfill their regular job duties due to illness or injury. These benefits form a part of a contractual agreement between the provider (employer or insurance company) and the beneficiary (you), aimed at providing financial support during challenging times.

The duration of STD benefits typically ranges from 12 weeks (approximately 3 months) to 24 weeks (about 6 months), based on the terms of the policy. If necessary, and upon qualification, STD benefits can transition into LTD benefits for prolonged assistance.

Eligibility for STD benefits is based on the policy’s definition of “totally disabled.” Importantly, being “totally disabled” does not mean an absolute inability to perform any work. This definition varies between policies, underscoring the need to fully understand the criteria specific to your policy.

Insurance companies often reject these claims. Nonetheless, with the help of a competent short-term disability lawyer, you can challenge these denials to obtain the benefits you are entitled to. A knowledgeable disability insurance lawyer is crucial for effectively managing your claim and achieving the best possible result.

For a free assessment of your disability benefits eligibility, please contact us at 416-363-1112. Our team is prepared to offer the necessary advice and support during this difficult period.

Long Term Disability Lawyer

Similar to short-term disability benefits, long-term disability (LTD) benefits are typically a part of an your benefits package.

LTD benefits act as a substitute for income for employees who are unable to work due to illness or injury.

Typically, LTD benefits start after short-term disability benefits end. If short-term benefits are not available from an employer, LTD benefits generally begin after any employer-provided sick leave is used up or after the conclusion of Employment Insurance (EI) Sickness Benefits, which last up to 15 weeks. For comprehensive details on your rights under long-term disability, it is recommended to consult with a long-term disability lawyer.

The value of LTD benefits usually ranges between 60% and 80% of your normal or pre-disability income, according to the specific conditions of the disability insurance policy. Unlike short-term benefits, LTD benefits may continue until the claimant reaches the age of 65.

Eligibility for LTD benefits depends on the policy’s definition of being “totally disabled.” It is crucial to understand that “totally disabled” does not mean completely unable to work under any circumstances. Instead, “totally disabled” or “total disability” are defined differently across policies.

At Unified LLP, our long-term disability lawyers are dedicated to ensuring you receive the necessary financial support during your recovery or as you adapt to new life challenges. As your representatives, we are committed to aggressively exploring every legal avenue to bolster your claim.

For a free evaluation of your eligibility for disability benefits, please contact us at 416-363-1112.

Disability Insurance Lawyer

Insurance companies in the past have rejected over half of legitimate disability claims in Ontario.

Whether you’re seeking assistance with short-term or long-term disability claims, Unified LLP boasts a track record of aiding clients in securing the maximum benefits rightfully due to them.

Choosing Unified LLP means you’ll be matched with a dedicated disability insurance attorney committed to vigorously advocating for your legal rights and entitlements.