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insights / Disability

Short-Term vs. Long-Term Disability: What’s the Difference?

When faced with a health condition or injury that prevents you from working, understanding the difference between short-term disability (STD) and long-term disability (LTD) benefits is crucial. These programs provide financial assistance during times of hardship, but they differ in duration, eligibility requirements, and coverage scope.  At Unified LLP, we understand that navigating disability claims […]

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Is Long-Term Disability Taxable in Ontario?

Long-term disability benefits can be a crucial lifeline, providing much-needed financial support during difficult times. If you’re unable to work due to a medical condition, these monthly payments offer a safety net that helps you focus on your health without the added stress of losing your income.  But when tax season rolls around, a common […]

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Inflation is Decimating Long-Term Disability Payments: What You Can Do

Long-term disability (LTD) payments don’t increase with inflation in many cases. Even if your LTD benefits adjust for inflation according to the Cost of Living Adjustment (COLA), you’re probably worse off than you were before. With Canada’s sky-high rents and cost of living, anyone on LTD payments is feeling the pinch.  Here are some practical […]

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Long-Term Disability Payments Cut Off Without Notice? 4 Things to Do

For anyone who’s unable to work because of an injury or an illness, long-term disability (LTD) payments are an absolute lifeline. That’s why the insurance company abruptly cutting off your benefits can come as a rude shock.  Insurers often terminate payments unlawfully. It could be that the adjuster just didn’t read your medical file fully […]

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Navigating the Appeals Process for Long-Term Disability Claims

Long-term disability (LTD) benefits are crucial for individuals who are unable to work due to a disabling condition. However, obtaining these benefits can be challenging, with as many as 40% of LTD claims being denied in Canada.  Understanding the appeals process is essential for those seeking to overturn a denial and secure the benefits they […]

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How Much Money Can I Get With a Long-Term Disability Lawyer

When faced with a long-term disability, individuals often turn to long-term disability (LTD) benefits to help cover lost income, bills and medical expenses. However, the process of claiming these benefits can be complex and challenging, often requiring legal assistance.  One of the most pressing questions for many is, “How much money can I get back […]

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The Financial Impact of Long Term Disability: Planning and Support

Experiencing a long-term disability can have profound financial implications. With a sudden loss of income and mounting medical expenses, individuals often find themselves facing significant financial challenges. A long-term disability lawyer Toronto team on your side can be an invaluable resource in navigating these complexities and securing the financial support you need.  This blog will […]

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The Process of Filing a Long Term Disability Claim in Ontario

Filing a long-term disability (LTD) claim in Ontario can be a daunting and intricate process. To ensure you secure the benefits you are entitled to, it is crucial to understand each step, gather the necessary documentation, and be prepared for common challenges. This guide will provide a step-by-step overview of how to file an LTD […]

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How to Appeal a Long Term Disability Denial

How to appeal a long term disability denial is not a simple process, adding an unneeded layer of complexity for those struggling or adapting to their disability. With millions of Canadians coping with disabilities and private insurers often looking to deny claims or remove people from their benefit plans, it’s more important than ever to […]

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Do I Need a Lawyer for Long-Term Disability?

Navigating the legal nuances of long-term disability (LTD) insurance can be confusing and intimidating. Whether you’re filing a claim, facing a denial, or somewhere in between, the question often arises: Do I need a lawyer for long-term disability? The answer depends on your specific situation, but it’s almost always best to connect with a long-term […]

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Depression Long-Term Disability FAQs

Depression and anxiety are on the rise among Canadians, reaching heights we haven’t seen since the pandemic. As a result, people claiming depression long-term disability is similarly growing more common among Canadians; not only are these people suffering from a potentially debilitating mental illness, but too often they are denied the benefits they need to […]

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Employment Lawyer Toronto Advice: How Do I Know If I Need an Employment Lawyer

Last fiscal year, there were nearly 9,000 claims filed against employers in Ontario alone; claims against employers for a number of improprieties are anything but rare. An employment lawyer in Toronto can help you navigate the intricacies of employment law, ensuring that your case has a higher chance of success and potentially netting you a […]

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How a long-term disability lawyer helps your case

The right long-term disability lawyer on your side can make a world of difference to your case. They must have a special combination of extensive legal knowledge, dedication to their clients, and a caring approach, as this is no doubt one of the most difficult times of your life – they can’t forget that.  To […]

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