When someone develops a medical condition or sustains an injury that prevents them from returning to work, they should strongly consider hiring a knowledgeable Toronto long term disability lawyer who can guide them through every step of the LTD process in an effort to obtain all of the benefits they need to uphold their standard of living. Contact Merricks Law Group today to learn more about how our firm can assist you.
Do I Need a Toronto Long Term Disability Lawyer?
Filing for long term disability benefits can be a document-heavy and complex process, which is why you cannot go it alone. Whether you’re looking to apply for disability, been denied disability benefits, or you are looking to protect your future benefits, you can depend on Merricks Law Group. Mr. Merricks has fought for his clients for over 30 years, and he is ready to put that knowledge and experience to work for you. Contact our firm today so we can begin guiding you through the LTD process ahead.
Do I Qualify for Long Term Disability Benefits?
To qualify for long term disability benefits, you must be a regular employee for at least six months, you must have a medical condition or injury that prevents you from returning to work, you must have documentation that shows you are under the regular care of a physician, and you must provide medical documentation to support your claim that you are injured and unable to return to work for the foreseeable future.
How Do I Apply for Long Term Disability Benefits?
To apply for long term disability benefits, you will have to complete various forms, including the Employee’s Long Term Disability Application and Direct Deposit Authorization. You must then have your doctor complete various forms regarding your disability and medical condition, and from here, you will then fax, email, or mail these forms to the Canada Life Assurance Company. Our firm can work to ensure you fill and mail out all of the appropriate information.
What Do Long Term Disability Benefits Cover?
Fortunately for many who are no longer capable of returning to work, long term disability benefits should cover a significant portion of their annual income. Depending on your insurance company’s terms, the LTD benefits you receive should cover anywhere between 60% and 85% of your annual income.
How Long Will I Receive Long Term Disability Benefits in Toronto?
In most cases, you should receive your long term disability benefits for two years, five years, ten years, or until you reach the age of 65–whichever comes soonest. Our firm can work to prove that you require these benefits for the maximum amount of time.
What Happens if I am Denied Long Term Disability Benefits?
If you are wrongfully denied long term disability benefits, the first thing you must do is speak with a knowledgeable Toronto long term disability lawyer who can analyze each aspect of your case and determine the best step forward. In many cases, we will commence a Statement of Claim against your insurance company, wherein we will provide various forms of evidence, such as medical records, doctors’ notes, and more, to prove that you truly qualify for LTD benefits. In certain cases, you may have to attend a hearing or deposition, wherein you will be asked various questions about your condition and claim under oath. Our firm can effectively prepare you for such questioning and attend the hearing alongside you.
Contact Our Toronto Long Term Disability Lawyer
Our firm is ready to help you receive your rightful long term disability benefits. No matter where you are in the process, you can count on Merricks Law Group. Contact us today so we can get started.