Edmonton Long-Term Disability Lawyers

Long-term disability (LTD) benefits may be made available to certain insurance policyholders who have been diagnosed with a disabling medical condition. LTD benefits could be included in an employer’s group insurance plan for their staff, or in private policies paid for by an individual.

Provided they have appropriate insurance coverage, people who are unable to carry out the tasks associated with their jobs because of the symptoms of their illnesses or injuries may be able to collect monthly income replacement payments. LTD benefits do not replace all of a recipients’ normal earnings; instead, they offer between 60-70% of their regular wages. Often this is subject to a salary-based payment cap, based on the terms of the individual policy.

LTD benefits can be crucial sources of financial support for people who have been physically injured, diagnosed with a chronic illness, or suffering from a mental health disorder. Indeed, depending on the terms of the individual policy, LTD benefits can be made available to policyholders struggling with a variety of disabling conditions, including mental health issues. In fact, 30% of Canadian disability claims are attributed to mental health conditions.

In order to apply for LTD benefits, policyholders must prove the severity of their medical conditions and illustrate how their symptoms make it impossible for them to continue performing the duties of their jobs. Supplementary evidence an applicant may be required to submit along with their claim for LTD benefits includes:

  • Medical records
  • Results of medical examinations
  • Statements from attending physicians
  • A detailed description of job duties
  • A statement from plan sponsor (i.e. employer)
  • Other documentation

Sadly, even after providing their insurance company with thorough, supporting evidence to prove their claims, disabled workers often face substantial difficulties accessing the LTD benefits to which they should be entitled. Receiving a denied claim for LTD benefits can be disheartening, frightening, and genuinely confusing. Oftentimes, insurers provide reasons for claim denials that are difficult to comprehend.

Even people who have successfully applied for LTD benefits may struggle to continue receiving payments after a set period of time. That is because most insurance policies change their qualifying criteria for disability benefits after paying a recipient for two years. In these scenarios, even people who can no longer return to their occupations because of their disabling medical conditions may find themselves fighting against an insurer’s unfair determination.

Our Edmonton long-term disability lawyers have experience fighting against the unfair tactics often used by insurance companies to withhold LTD benefits from deserving policyholders or prematurely cease their payments. If your claim was denied or if your LTD benefits were cut off, our long-term disability lawyers serving Edmonton may be able to help you appeal your insurer’s decision.

By working with our Edmonton long-term disability lawyers, you may be able to recover the benefits payments that you had been previously denied, damages you might have incurred as a result of your claim’s denial, as well as any other applicable damages. To learn more about working with our long-term disability lawyers serving Edmonton, book a free initial consultation with us today.

You Don’t Pay Unless We Win

Many people whose claims for LTD benefits have been denied worry about the cost of seeking legal action. That is exactly what insurance companies want. It is also why our Edmonton long-term disability lawyers work on a contingency-fee basis. That means you will not be required to pay for our legal services at all unless we win your case.

To learn more about how our long-term disability lawyers serving Edmonton may be able to assist you, contact us today and schedule your cost-free, no-obligation initial consultation.

Areas of Expertise

Our Edmonton practice group can assist with various types of claims.

Since 1959, Preszler Injury Lawyers has been helping Canadians pursue meaningful compensation from insurance providers.

To speak with a member of our legal team today, book a free consultation. Our phone lines are open 24/7 and the best part is, you don't pay anything unless you decide to hire us and we successfully recover compensation for you. Yes that's right - you don't pay unless we win!

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