When to Involve a LTD Lawyer

When to Involve a LTD Lawyer

The situation should be straight forward. Most Canadians have some kind of insurance policy to which they pay premiums, one would expect to help them in times of need. If someone has group or individual disability insurance and is unable to work because of a long-term disability (LTD), they should be able to receive financial compensation. However, often insurance companies deny claims or stop payments prematurely. The personal and economic consequences can be catastrophic. If a claim is complicated, stalled, is being denied, stopped prematurely or the settlement is unsatisfactory, it’s time to involve a LTD lawyer.



Making a Long-term Disability Claim

Long term disability benefits are part of almost every work or insurance package. They should be available to people who have had injuries sustained in a motor vehicle accident, bicycle accident, transit accident or work related accident. Other reasons for LTD claims include:


•Post Traumatic Stress Disorder (PTSD)

•A chronic illness

•Concussion symptoms

•Mental Health issues

•Deteriorating auto-immune diseases such as multiple scleroses or fibromyalgia


Initially there should be short-term disability benefits available for a period of 2-6 months, after which, if needed, a long-term disability claim can be made. Every benefit package has different criteria and conditions for qualifying long-term disability. The amount paid is based on a percentage of the salary, usually somewhere between 50-70%.  The length of the payout may be for a pre-determined number of years, or until the applicant reaches a certain age, such as the retirement age of 65.



What to Look for in a Long-Term Disability Lawyer


When looking for help in negotiating a successful LTD claim, find a lawyer experienced in personal injury law, that listens to your concerns and treats you with respect. The initial interview should last between 1-3 hours, so the lawyer can fully understand the situation and be able to suggest successful   strategies for moving forward. The consultation should be free, and generally personal injury lawyers work on a contingency basis, taking a percentage of a successful settlement.


Make sure to research your options thoroughly before choosing which long-term disability lawyer will be handling your case. While it may seem fitting to speak to a paralegal, be aware that a paralegal cannot take the claim to court, if that is eventually required. If you are not comfortable speaking in English, you may want to find a multi-ethnic firm, with LTD lawyers who speak a variety of languages. Look for firms with positive unedited testimonials. Lawyers working out of Ontario should be regulated by The Law Society of Upper Canada.


If you are struggling with your long-term disability claim and are having troubles collecting your benefits, a LTD lawyer from an experienced personal injury law firm may be able to get you the compensation you deserve. Call a local law firm today.