Long Term Disability Lawyer Toronto

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/unable to perform typical work duties 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.   

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 the leading long-term disability lawyers in 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.   

Disability Insurance Lawyer Toronto

Insurance companies have been known to reject over half of legitimate disability claims in Ontario.

Whether you need a short or long-term disability lawyer in Ontario, 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.