Long Term Disability Lawyer Canada

1
UL Lawyers Professional Corporation

• LONG TERM DISABILITY DENIED

2
Overview

• According to a survey conducted by the Royal
  Bank of Canada in July 2014 on disability
  insurance (moneysense.ca), one in three working
  Canadians during the course of their employment,
  will encounter a duration of disability which may
  last longer than 90 days. Apparently, 62 of
  employed Canadians have come across individuals
  who have had to take time off as a result of
  disability and approximately 25 Canadians have
  had to take time away from their place of
  employment due to their own disability.

3
SHORT-TERM DISABILITY (STD)

• Short-Term Disability (STD) benefits coverage is
  meant to compensate employees for lost revenue as
  a result of short-term absences from their place
  of employment due to illness, injury, sickness or
  disability. You may continue to receive
  disability payments as long as you meet the
  definition of total disability as per your
  policy. In general, what this means is that you
  are totally disabled for your own occupation up
  to the maximum benefit period as defined in your
  policy.
• Short-Term Disability coverage typically
  provides benefits for up to a maximum of 6 months
  while you are disabled. The definition of total
  disability and the maximum benefit period
  definitions can be found in a benefits booklet
  provided by your employer.

4
LONG-TERM DISABILITY (LTD)

• You can be eligible for Long-Term Disability
  benefits (LTD) once you have satisfied the
  waiting period or elimination period criteria.
  This can last for up to 60 days, 90 days or 180
  days and coincides with EI and STD benefits.
  During the elimination period and for the first 2
  years, you are considered totally disabled if
  sickness or injury prevents you from performing
  the essential duties of your regular occupation,
  you are under the regular care of a physician and
  you are not gainfully employed elsewhere, this
  test is known as the own occupation test.

5
HOW LONG DOES IT TAKE TO SETTLE MY LONG-TERM
DISABILITY CLAIM?

• The answer to this question is, well it depends
  where your claim stands. Have you submitted the
  initial application and paperwork requested by
  your disability insurer? Have you applied for the
  internal appeal process? Did you receive
  disability benefits for a few months and then all
  of a sudden denied by your insurer? Have you
  already applied for CPP Disability benefits?
• It is imperative that you be aware of the fact
  that your long-term disability insurer is under
  no obligation to settle your claim on a full and
  final basis. If your claim has merit and your
  injuries meet the definition of disability, your
  insurer can choose to settle in two ways, the
  first by simply paying the arrears, legal costs
  and disbursements of the action you commenced and
  then keeping your disability claim open and
  continue monitoring it and reassess at a later
  future date or by offering you a lump sum payment.

6
Contact Us

• Long Term Disability Lawyer
• 5700 Timberlea Boulevard
• Suite 11
• Mississauga, ON L4W 5B9
• Tel [phone]
• 905.744.8888
• Fax [phone]
• Email info_at_ullaw.ca

7
Office Address

• MISSISSAUGA (HEAD OFFICE)

• KITCHENER OFFICE

• 5700 Timberlea BoulevardSuite 11Mississauga, ON
  L4W 5B9
• Tel [phone].744.8888
• Fax [phone]Email info_at_ullaw.ca

• TD Canada Trust Centre55 King Street West, 7th
  FloorKitchener, ON N2G 4W1
• Tel [phone]
• Fax [phone]Email info_at_ullaw.ca