A long term disability lawyer Kitchener fighting on your behalf
Work with a long term disability lawyer in Kitchener who is always focused on serving your interests, not billable hours. That’s why we offer a free, no-obligation, confidential evaluation of your disability benefits claim, whether for short-term or long-term needs. This process is obligation-free and designed to minimize stress. Our firm operates on a contingency fee basis, typically claiming 33% of any award or settlement only if you win your case. Our commitment is simple: you don’t pay unless you succeed. As an experienced long-term disability law firm in Kitchener, we recognize that over half of legitimate disability claims are denied annually. We’re here to help correct that.
Our Kitchener disability lawyers can help with:
- Processing applications for short-term disability benefits
- Reviewing applications for short-term disability benefits
- Appealing rejections of short-term disability benefits
- Applying for long-term disability benefits
- Evaluating long-term disability benefits applications
- Disputing denials of long-term disability benefits
- Pursuing legal measures to obtain rightfully owed benefits
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.
Why employees receive Short Term Disability benefits:
- Substance addiction
- Surgical procedures
- Recovery following surgery
- Traumatic incidents (temporary or persistent)
- Recovery from a trauma or accident
- Mental health disorders (temporary or chronic), such as depression and anxiety
- Onset of a new health condition
- Worsening of a pre-existing medical condition
- Coping with the death of a loved one
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 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.
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’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.
Lawyers With Experience in Disability
Following an accident, illness, or any event resulting in a disability, we understand the immense stress you’re likely facing – a reality we’ve witnessed time and again throughout our years assisting Ontarians successfully claim disability benefits.
You deserve a long-term disability lawyer in Kitchener who brings both empathy and dedication, backed by a thorough knowledge of Ontario’s disability laws. Our firm features experienced attorneys who focus on disability claims, prepared to support you at every stage of the process. Understanding that financial stress should be the least of your concerns, we offer our services on a contingency fee basis, which means our payment relies on your success in obtaining the benefits you are due.
We also offer a complimentary consultation with a disability lawyer, giving you the opportunity to discuss your options without any financial obligation.
Choosing Unified LLP means that you will have a team ready to use every resource at our disposal to challenge the denial of your claims, including taking legal action and representing you in court if necessary.
Contact us today to engage with disability lawyers dedicated to securing every benefit you are legally entitled to from your employer and/or insurance provider.
Disability Benefits Lawyer
If you are looking for a dependable long-term disability lawyer in Ontario who is dedicated to making every legal effort to obtain the full benefits you are entitled to, consider reaching out to the team at Unified.
We offer a complimentary consultation with a disability lawyer, providing you an opportunity to understand your legal options without any financial pressure.
When you choose Unified LLP for your legal needs, you can trust that we will utilize every available resource to challenge the denial of your claims. This may include, if necessary, presenting your case in court before a judge.
Contact 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.
Experienced Injury Lawyers You Can Trust
Work with an experienced disability law firm that knows how to help you access the full amount 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 Kitchener FAQs
What services do law firms specializing in disability claims offer?
Law firms specializing in disability claims offer extensive services, such as handling long-term disability insurance matters, guiding clients through the appeals process, and providing legal advice for individuals experiencing chronic pain, injuries, or illnesses that impede their return to work.
When should I seek legal advice for my disability claim?
It is advisable to consult with a legal expert promptly if your disability claim is denied or if you encounter difficulties with your insurance provider. A specialized disability lawyer can assist you in comprehending your rights and outline the necessary steps to obtain the compensation you are entitled to.
How can a disability lawyer help if I’m unable to return to work due to chronic pain?
A Kitchener long-term disability lawyer can help you compile the required medical documentation to back your claim, represent you in interactions with your insurance company, and make sure that your case for long-term disability benefits due to chronic pain is presented convincingly.
What is the appeal process for a denied disability claim?
The appeal process for a denied disability claim includes filing a formal appeal asking your insurance company to review their decision. This procedure can be intricate, often necessitating the submission of further medical documentation and legal arguments. A disability lawyer can assist in preparing and presenting these elements effectively on your behalf.
Why is it highly recommended to work with a disability lawyer for my long-term disability claim?
It is highly advisable to work with a disability lawyer due to their expertise in disability law, familiarity with insurance company tactics, and ability to navigate the legal system to advocate for your rightful compensation. Their experience is essential in contesting denials and achieving a successful appeal.
Can a disability lawyer help me if my ability to work is affected by an injury or illness?
Certainly, a disability lawyer can be invaluable if an injury or illness impairs your ability to work. They can assist in filing for long-term disability insurance benefits, guide you through the appeals process if your claim is denied, and advocate for the compensation you rightfully deserve.
How long does it take to resolve a long term disability case?
The duration of a case can vary depending on its complexity and whether it goes to trial. Some cases may be resolved in just a few months, while others could take several years to conclude. Your attorney should be able to provide an estimated timeline for how long your specific case might take.
Can I change my long term disability lawyer if I’m not satisfied?
Yes. Your current and former lawyer will work together to ensure that all relevant evidence and information are smoothly transitioned 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 Kitchener 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?
Make sure to bring all essential documents, such as your disability insurance policy, any denial letters, medical evidence and medical records, and communication with your insurance company. These documents will help the lawyer assess your case and determine the most appropriate strategy. Remember that there is a time limit to submitting a disability claim as well as to begin the appeals process; our legal representation is often provided on a contingency fee basis so you don’t need to worry about legal fees before reaching out.
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 Hamilton
*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 for personalized guidance regarding your specific situation.
