Long Term Disability Lawyer Ottawa

Short Term Disability Lawyer

Short-term disability (STD) benefit are usually contained within your employee benefits packages, ready to support you during temporary periods of disability.

STD and LTD benefits provide crucial 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.

STD benefits typically cover a period ranging 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, which offer extended support for a longer duration.

Qualifying for STD benefits depends on the policy’s definition of being “totally disabled.” It’s important to understand that “totally disabled” does not necessarily mean completely unable to work in any capacity. This definition varies from one policy to another, highlighting the importance of understanding your specific policy’s criteria.

Insurance companies frequently deny these claims, often citing insufficient evidence or misinterpretations of policy terms. 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, ensuring all necessary documentation is provided, and advocating on your behalf to achieve the best possible outcome.

At Unified LLP, we specialize in navigating the complexities of disability insurance claims. Our dedicated team will work closely with you to gather comprehensive medical evidence, accurately complete all required paperwork, and effectively communicate with the insurance company. Our goal is to alleviate the stress of the claims process and maximize your chances of approval.

For a no-risk, 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 you need during this challenging time.

Long Term Disability Lawyer

Much like short-term disability benefits, long-term disability (LTD) benefits are usually a component of an your benefits package.

LTD benefits provide crucial income replacement for employees who cannot work due to illness or injury.

In cases where an employer does not offer STD benefits, LTD coverage usually begins once any employer-provided sick leave is used up or after the completion of Employment Insurance (EI) Sickness Benefits, which can extend up to 15 weeks. Understanding your rights and options under long-term disability insurance is essential, and consulting with a knowledgeable LTD lawyer can provide clarity and guidance.

The amount of LTD benefits generally falls between 60% and 80% of your regular or pre-disability income, based on the terms outlined in your disability insurance policy. Unlike STD benefits, LTD benefits can last until the age of 65, providing long-term financial support.

Eligibility for LTD benefits hinges on the policy’s definition of “totally disabled.” This term does not necessarily mean a complete inability to work in any capacity. The criteria for “totally disabled” or “total disability” can differ significantly from one policy to another, underscoring the importance of thoroughly understanding the specifics of your own policy.

At Unified LLP, our long term disability lawyers are dedicated to obtaining the financial support you need during your recovery or as you adjust to your new normal. As your legal representation, we are dedicated to pursuing all available legal avenues to support your claim, ensuring that you receive the benefits you deserve and are entitled to.

For a free assessment of your eligibility for disability benefits, please contact us at 416-363-1112.

Disability Insurance Lawyer

Insurance companies have notoriously 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 proven track record of helping clients secure the maximum benefits they are entitled to.

Choosing Unified LLP means you will work with a dedicated disability insurance attorney committed to vigorously defending your legal rights and ensuring you receive the benefits you deserve.