Long Term Disability Lawyer Oakville

Short Term Disability Lawyer

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

STD and LTD benefits serve as income replacement for employees who cannot work or perform their usual job duties 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 stability during difficult times.

Typically, the duration of STD benefits is limited, ranging from 12 weeks (about 3 months) to 24 weeks (around 6 months), depending on the policy’s terms. Should the need arise, and if eligible, STD benefits may transition into LTD benefits for extended support.

Eligibility for STD benefits hinges on the definition of being “totally disabled.” It’s crucial to note that “totally disabled” doesn’t imply a complete inability to work in any capacity. Instead, this term varies in definition from one policy to another, emphasizing the importance of understanding your specific policy’s criteria.

Regrettably, insurance companies frequently deny these benefits. However, with the assistance of a skilled short-term disability lawyer, you can contest these denials to secure the benefits you rightfully deserve. An experienced disability insurance lawyer is instrumental in navigating the complexities of your claim and ensuring the most favorable outcome.

For a complimentary evaluation of your eligibility for disability benefits, please contact us at 416-363-1112. Our team is ready to provide the guidance and support you need during this challenging time.

Long Term Disability Lawyer

Similar to short-term disability benefits, long-term disability (LTD) benefits frequently form part of an employee’s benefits package.

LTD benefits serve as an income replacement for employees who are unable to work due to illness or injury.

Typically, LTD benefits commence following the conclusion of short-term disability benefits. In cases where short-term benefits are not provided by an employer, LTD benefits usually start after any employer-provided sick leave has been exhausted or following the end of Employment Insurance (EI) Sickness Benefits, which have a maximum duration of 15 weeks. For detailed information on your entitlements under long-term disability, consulting with a long-term disability lawyer is advisable.

The amount of LTD benefits often ranges from 60% to 80% of your usual or pre-disability earnings, depending on the specific terms of the disability insurance policy. In contrast to short-term benefits, LTD benefits can be extended to a claimant until the age of 65.

Eligibility for LTD benefits hinges on the definition of being “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” has specific definitions that vary from one policy to another.

At Unified LLP, our long-term disability lawyers are committed to ensuring you have the financial support needed during your recovery or as you adjust to new life circumstances. As your advocates, we will vigorously pursue every legal option available to support your case.

For complimentary support in assessing your eligibility for disability benefits, please contact us at 416-363-1112.

Disability Insurance Lawyer

Insurance companies have in the past 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.