We understand the stress and frustration that comes with being unfairly denied your disability benefits. It’s our job as your disability lawyer Toronto to make things right. Call us.
The disability lawyers at our firm will provide a confidential and comprehensive assessment of your short-term or long-term disability benefits claim, free of charge. There are no obligations. We want to make this experience as stress free as possible. We offer a contingency fee arrangement which depends on the type of case and can be up to 33% of the award or settlement. Work with a Toronto disability lawyer that will fight to ensure you receive the maximum benefits you are entitled to. Over half of legitimate disability claims are rejected each year – work with a disability benefits lawyer who will fight to make that right.
Our Toronto disability lawyers can help with:
- Applications for short-term disability benefits
- Reviewing short-term disability benefits applications
- Appealing short-term disability benefits denials
- Applications for long-term disability benefits
- Reviewing long-term disability benefits applications
- Appealing long-term disability benefits denials
- Commencing an action and fighting for what is rightfully owed to you
Short-Term Disability Lawyer Toronto
Short-term disability (STD) benefit is a type of benefit that is often provided to employees as part of their benefits package.
STD and LTD benefits are a form of income replacement benefit that provides income to an employee who is unable to work due to an illness or an injury. It is a contract for benefits between the payor (employer or insurer) and the applicant (you) that is meant to provide you with peace of mind in times of need.
Although it depends on the terms of the policy, as stated in the name, short-term disability benefits only last for a short period of time. The average STD benefit runs from 12 weeks (3 months) to upwards of 24 weeks (6 months). Afterwards, if available, the short-term disability benefits claim is converted to a long-term disability claim (see below). Contact a short-term disability lawyer Toronto to learn more about how your benefits specifically work.
The test for whether or not an applicant qualifies for short-term disability benefits is whether or not the applicant is “totally disabled”. It is important to understand that the term “totally disabled” or “total disability” does not mean that the applicant must be totally disabled in the literal sense. The term “totally disabled” or “total disability” is a defined term that differs from policy to policy.
Too often these benefits are denied by insurance companies – but a short-term disability lawyer Toronto can challenge the insurance companies so you receive every benefit you are legally entitled to. Work with a disability insurance lawyer Toronto that has the experience and dedication necessary to achieve the best possible outcome in your case.
Call us at 416-363-1112 for free assistance in determining whether you qualify for disability benefits.
Common reasons employees receive Short-Term Disability benefits:
- Addiction
- Surgery
- Recovering from surgery
- Injury/accident (temporary or permanent)
- Recovering from injury/accident
- Mental health illness (temporary or permanent), such as depression and anxiety
- Onset of an illness or disease
- Flaring up of a pre-existing illness or disease
- Experiencing a death in the family
This list is not exhaustive. If ever in doubt, call our Toronto disability lawyers at 416-363-1112 for a free and confidential consultation.
Long-Term Disability Lawyer Toronto
Much like short-term disability benefits, long-term disability (LTD) benefits are also a type of benefit that is often provided to employees as part of their benefits package.
LTD benefit is also a form of income replacement benefit that provides income to an employee who is unable to work due to an illness or an injury.
Long-Term Disability benefits generally begin immediately after your short-term disability benefits end. If your employer does not provide short-term disability benefits, then long-term disability benefits typically begin after sick leave benefits from your employer ends or after EI Sickness Benefits end (15 weeks is the maximum period). Contact a long-term disability lawyer Toronto to learn more about the benefits you may be legally entitled to.
Although it depends on the individual disability insurance policy, most LTD benefits typically replace between 60% to 80% of your normal or pre-disability income. Unlike short-term disability benefits, LTD benefits are typically payable to a claimant up to age 65.
The test for whether or not an applicant qualifies for long-term disability benefits is whether or not the applicant is “totally disabled”. Much like with short-term disability, it is important to understand that the term “totally disabled” or “total disability” does not mean that the applicant must be totally disabled in the literal sense. The term “totally disabled” or “total disability” is a defined term that differs from policy to policy.
Lawyers for long-term disability like those at Unified LLP work tirelessly to ensure that you’re able to support yourself financially during your recovery or as you adapt to your new circumstances. As your disability benefits lawyer in Toronto, we will tirelessly advocate on your behalf and explore every legal avenue available to make your case.
Call us at 416-363-1112 for free assistance in determining whether you qualify for disability benefits.
Common reasons employees receive Long-Term Disability benefits:
- Cancer
- Addiction
- Injury/accident (temporary or permanent)
- Back injuries
- Arm injuries
- Shoulder injuries
- Leg injuries
- Knee injuries
- Hand injuries
- Head injuries\Recovering from injury/accident
- Mental health illness (temporary or permanent)
- Depression
- Anxiety
- Bi-polar mood disorder
- Substance abuse disorder
- Obsessive compulsive disorder
- Onset of an illness or disease
- Migraines
- Epilepsy
- Fibromyalgia
- Sleep disorders, such as Insomnia, Obstructive Sleep Apnea and Narcolepsy
- Chronic fatigue syndrome
- Chronic pain
- Infections
- Nervous system disorders
- Diabetes Heart disease
- Lyme disease
- Multiple sclerosis
- Parkinson’s disease
- Flaring up of a pre-existing illness or disease
This list is not exhaustive. If ever in doubt, call our disability lawyers at 416-363-1112 for a free and confidential consultation.
Disability Insurance Lawyer Toronto
Insurance companies have been known to reject over half of legitimate disability claims in Ontario.
Whether you need a short-term disability lawyer in Toronto or a long-term disability lawyer in Toronto, Unified LLP has experience helping clients just like you receive the maximal benefits they are owed.
When you partner with Unified LLP, you will always be paired with a disability insurance lawyer in Toronto who will forcefully fight for the entitlements you are legally owed.
Lawyers Specializing in Disability
In the aftermath of an accident, illness, or other circumstance that led to your disability, we know how stressful these times can be – we’ve seen it countless times before over the years working with dozens of clients.
You need a Toronto disability lawyer who is compassionate, dedicated, and maintains a thorough knowledge of Ontario disability law. Our law firm features experienced lawyers specializing in disability claims, able to help you navigate the process from start to finish. And as lawyers specializing in disability claims, we also know that the last thing you need is further financial pressure – that’s why we work on a contingency fee (you only pay if you receive the benefits you’re entitled to).
We also offer a disability lawyer free consultation so you can meet with us to discuss your options without incurring any further financial pressures.
If you do decide to retain Unified LLP as your Toronto disability lawyer, then you can expect us to make use of every available resource to challenge the denial of your claims, including litigating the matter in court before a judge, if necessary.
Call us today to get in touch with disability lawyers who won’t rest until you receive every single entitlement you are legally owed by your employer and/or insurance company.
Disability Benefits Lawyer
If you’re looking for a long-term disability lawyer in Ontario that you can trust to make every legal effort possible to ensure you receive the full benefits you are entitled to, then please get in touch with the team at Unified.
We also offer a disability lawyer free consultation so you can meet with us to discuss your options without incurring any further financial pressures.
If you do decide to retain Unified LLP as your Toronto disability lawyer, then you can expect us to make use of every available resource to challenge the denial of your claims, including litigating the matter in court before a judge, if necessary.
Call us today to get in touch with disability lawyers who won’t rest until you receive every single entitlement you are legally owed by your employer and/or insurance company.
Experienced Injury Lawyers You Can Trust
Our team has years of experience in personal injury law, helping people in dire situations receive what they are legally entitled to from their disability insurer. For legal support relating to both short-term and long-term disability, contact the team at Unified LLP.
