A long term disability lawyer Hamilton fighting for you
Work with a long term disability lawyer in Hamilton who has the experience necessary to help you with your disability claim. We offer a free, no-obligation, confidential consultation regarding your disability claim. This process comes without any obligations and is structured to reduce stress. Our firm works on a contingency fee basis, typically taking 33% of any award or settlement only if you win your case. Our commitment is straightforward: you don’t pay unless you succeed. As a firm with experience in long-term disability law in Hamilton, we understand that more than half of valid disability claims are denied each year. We are here to help address this issue.
Our Hamilton disability lawyers can help with:
- Handling applications for short-term disability benefits
- Assessing applications for short-term disability benefits
- Contesting denials of short-term disability benefits
- Submitting applications for long-term disability benefits
- Analyzing long-term disability benefits applications
- Challenging denials of long-term disability benefits
- Taking legal action to secure rightfully owed benefits
Short Term Disability Lawyer
Short-term disability (STD) benefit are often included in employee benefits packages, supporting you during temporary periods of disability.
STD and LTD benefits serve as income replacements for employees who are unable to work or perform their usual job functions due to illness or injury. These benefits are part of a contractual agreement between the provider (employer or insurance company) and the beneficiary (you), designed to offer financial assistance during difficult times.
The length of STD benefits typically varies from 12 weeks (roughly 3 months) to 24 weeks (around 6 months), depending on the policy’s terms. When needed, and if eligible, STD benefits may transition into LTD benefits for extended support.
Qualifying for STD benefits depends on the policy’s definition of being “totally disabled.” It’s important to note that “totally disabled” does not necessarily mean completely unable to work in any capacity. This definition differs from one policy to another, highlighting the importance of understanding your specific policy’s criteria.
Insurance companies frequently deny these claims. However, with the assistance of a skilled short-term disability lawyer, you can contest these denials and secure the benefits you deserve. An experienced disability insurance lawyer plays a vital role in successfully managing your claim and securing the best possible outcome.
For a no-risk and no-fee evaluation of your eligibility for disability benefits, please contact us at 416-363-1112. Our team is ready to provide the essential guidance and support during this challenging time.
How employees receive Short Term Disability benefits:
- Substance dependency
- Surgical operations
- Post-surgical recovery
- Trauma or accidents (short-term or long-term)
- Healing after trauma or an accident
- Mental health issues (short-term or long-term), including depression and anxiety
- Development of a new medical condition
- Aggravation of an existing health condition
- Managing grief from the loss of a family member
This list is not exhaustive. If ever in doubt, call our disability lawyers at 416-363-1112 for a free consultation.
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 serve as income replacement for employees who cannot work due to illness or injury.
Usually, LTD benefits commence once short-term disability benefits have ended. If an employer does not provide short-term benefits, LTD benefits often start after any employer-provided sick leave is depleted or following the expiration of Employment Insurance (EI) Sickness Benefits, which can last up to 15 weeks. For a detailed understanding of your rights under long-term disability, consulting with a long-term disability lawyer is advisable.
The amount of LTD benefits typically falls between 60% and 80% of your usual or pre-disability earnings, based on the specific terms of the disability insurance policy. Contrary to short-term benefits, LTD benefits can extend up to the age of 65.
Eligibility for LTD benefits is determined by the policy’s definition of “totally disabled.” It’s important to note that “totally disabled” does not imply an absolute inability to work in any capacity. Rather, “totally disabled” or “total disability” have specific definitions that vary from one policy to another.
At Unified LLP, our long-term disability lawyers are committed to securing the financial support you need during your recovery or as you adjust to new life situations. As your advocates, we will vigorously pursue all legal avenues to support your claim.
For a complimentary assessment of your disability benefits eligibility, please contact us at 416-363-1112.
Reasons why employees may 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
Insurance companies in the past have rejected over half of legitimate disability claims in Ontario.
Whether you need help with short-term or long-term disability claims, Unified LLP has a history of assisting clients in obtaining the maximum benefits they are rightfully owed.
Opting for Unified LLP ensures that you will be paired with a committed disability insurance attorney dedicated to vigorously defending your legal rights and entitlements.
Experienced in Disability Lawyers
Following an accident, illness, or any event that leads to a disability, we recognize the significant stress you may be experiencing—a reality we have repeatedly observed over the years while helping Ontarians successfully secure disability benefits.
You deserve a long-term disability lawyer in Hamilton who combines empathy and dedication with a deep understanding of Ontario’s disability laws. Our firm is home to seasoned attorneys specializing in disability claims, ready to assist you throughout the process. We recognize the importance of minimizing financial stress, which is why we operate on a contingency fee basis, ensuring our fees are contingent upon your success in securing the benefits you deserve.
We also provide a free consultation with a disability lawyer, allowing you to explore your options without any financial commitment.
By choosing Unified LLP, you gain access to a team committed to utilizing every available resource to challenge the denial of your claims, including taking legal action and representing you in court if necessary.
Reach out to us today to connect with disability lawyers who are committed to ensuring you receive every benefit you are legally owed by your employer and/or insurance provider.
Disability Benefits Lawyer
If you’re in need of a reliable long-term disability lawyer in Ontario committed to exhaustively pursuing the full benefits you deserve, consider contacting the team at Unified.
We provide a free consultation with a disability lawyer, offering you the chance to explore your legal options without any financial commitment.
Choosing Unified LLP for your legal representation ensures that we will deploy every resource available to overturn the denial of your claims, including, if needed, presenting your case in court before a judge.
Reach out to us today to engage with disability lawyers dedicated to securing every benefit you are legally entitled to from your employer and/or insurance provider.
Experienced Injury Lawyers You Can Trust
Connect with an experienced disability law firm that will help you access the full compensation you are legally entitled to from your disability insurer. For legal support relating to both short-term and long-term disability, contact the team at Unified LLP.
Long Term Disability Hamilton FAQs
What should I do if my long-term disability insurance claim has been denied?
If your insurance company denied your claim, it is crucial to act swiftly. Begin by reviewing the denial letter to understand the reasons provided by the insurance company. It’s advisable to consult with a disability lawyer who can guide you through the process of appealing the decision. A lawyer can help ensure that all necessary documentation and evidence are properly presented to strengthen your appeal.
How do I know if I qualify for long-term disability benefits?
To qualify for long-term disability benefits, you generally need to demonstrate that you are unable to perform the duties of your occupation due to illness or injury. The specific criteria can vary by policy, but most require that you are unable to work in your current profession for a certain period, typically around 24 months. After this period, the criteria might expand to include any occupation for which you are suited by education, training, and experience.
What is involved in the disability claims process?
The disability claims process typically involves initially submitting a detailed application to your insurance provider that includes medical records, a statement from your employer, and a personal statement. If your claim is denied, the process can include an appeals phase where further documentation and evidence are submitted. It’s important to adhere to all deadlines and procedural requirements set by your insurance company to avoid delays or further denials.
My insurance company denied my claim initially; what are my options?
If your insurance company has denied your term disability insurance claim, you have the option to file an appeal. This is a critical step where you can provide additional evidence and documentation to dispute the denial. Engaging a disability lawyer experienced in these matters can be beneficial to navigate the appeal effectively and to advocate on your behalf for the benefits you deserve.
What services do law firms specializing in disability claims offer?
Law firms focused on disability claims provide a wide range of services, including managing long-term disability insurance issues, assisting clients with the appeals process, and offering legal guidance to individuals dealing with chronic pain, injuries, or illnesses that prevent them from returning to work.
When should I seek legal advice for my disability claim?
It is recommended to seek advice from a legal expert immediately if your disability claim is denied or if you face challenges with your insurance provider. A specialized disability lawyer can help you understand your rights and guide you through the necessary steps to secure the compensation you deserve.
How can a disability lawyer help if I’m unable to return to work due to chronic pain?
A Hamilton long-term disability lawyer can assist you in gathering the necessary medical evidence to support your claim, represent you in dealings with your insurance company, and ensure that your application for long-term disability benefits due to chronic pain is effectively presented.
What is the appeal process for a denied disability claim?
The appeal process for a denied disability claim involves submitting a formal request for your insurance company to reconsider their decision. This process can be complex and may require the submission of additional medical evidence and legal arguments. A disability lawyer can help you effectively prepare and present these components on your behalf.
Why is it highly recommended to work with a disability lawyer for my long-term disability claim?
Working with a disability lawyer is highly recommended because of their expertise in disability law, knowledge of insurance company strategies, and proficiency in navigating the legal system to advocate for your rightful compensation. Their experience is crucial for effectively challenging denials and securing a successful appeal.
Can a disability lawyer help me if my ability to work is affected by an injury or illness?
Yes, a disability lawyer can be extremely helpful if an injury or illness affects your ability to work. They can aid in applying for long-term disability insurance benefits, navigate you through the appeals process if your claim is rejected, and champion your right to the compensation you deserve.
How long does it take to resolve a long term disability case?
The length of time a case takes to resolve can differ based on its complexity and whether it proceeds to trial. Some cases might be settled within a few months, whereas others could extend over several years. Your attorney should be capable of offering a rough timeline for the duration your particular case may require.
Can I change my long term disability lawyer if I’m not satisfied?
Yes. Your current and previous legal representation will collaborate to guarantee that all pertinent evidence and information is seamlessly transferred to your new legal representative.
Can I consult a disability lawyer before applying for benefits?
Yes, you may consult with a long term disability lawyer Hamilton before applying for benefits.
What specific expertise does a long term disability lawyer bring to my case?
As your long term disability lawyer, the team at Unified LLP offers extensive knowledge of the federal disability benefits, long term disability insurance, the Ontario Disability Support Program Act, and all other relevant legal statues that can be leveraged to help you maximize the compensation you’re able to receive.
What should I bring to my initial consultation?
Be sure to bring all necessary documents, including your disability insurance policy, any letters of denial, medical records, and correspondence with your insurance company. These documents will assist the lawyer in evaluating your case and deciding on the best course of action.
What other practice areas do you serve?
- Employment Lawyer Toronto
- Employment Lawyer Mississauga
- Wrongful Dismissal Lawyer Toronto
- Constructive Dismissal Lawyer
- Long Term Disability Lawyer Oakville
- Long Term Disability Lawyer Toronto
- Long Term Disability Lawyer Kitchener
*Note that if you are looking to sue following an accident, please contact a personal injury lawyer
Note that this FAQ provides general information and should not be considered legal advice. Consult with Unified’s experienced long term disability lawyer Hamilton for personalized guidance regarding your specific situation.
