Toronto Short- and Long-Term Disability Claims Lawyers

Even after paying thousands of dollars in premiums to your insurance company, your insurer may refuse to pay out a claim for short- (STD) or long-term disability (LTD). This is in spite of the fact that you have a very real condition that prevents you from working. We can help.

At CHAGPAR LAW of Toronto, Salina F. Chagpar and our team help clients understand their rights and act as strong advocates to secure them the insurance benefits they are entitled to. Our experienced lawyers provide clients with the legal information relevant to their case and keep them engaged with their claim, from our initial meeting and throughout every stage of advocating for a reconsideration of a denied STD and or LTD claim.

Meeting the Criteria for Short-Term and Long-Term Disability Benefits

Short- and long-term disability benefits are generally paid out as part of a private insurance policy, and the specific terms of the benefits will be different depending on an individual’s coverage. However, in general, STD and LTD disability insurers will pay benefits if a policyholder is unable to work due to a disability caused by certain conditions. Some insurance companies will require that a claimant apply for Canada Pension Plan disability (CPPD) disability benefits before invoking the policy.

Each individual case is unique, both in the circumstances of our clients and in the terms of their individual insurance policies. Oftentimes specific illnesses, physical injuries and or emotional trauma from injury are excluded from the policy thus impeding entitlement. The date of a physical injury could be long in the past, but its cumulative emotional effects can have caused a psychological injury devastating enough to prevent the claimant from working. At times benefits will be paid for a short period of time and then terminated or perhaps paid for a period of time through a specific test of disability and then terminated for not meeting entitlement provisions for other tests of disability. The process is complicated and time intense, requiring the legal expertise of our law firm at every step of the process to guide you through the process and to ensure your entitlement.

Serving Greater Toronto, Including Mississauga, Brampton and Scarborough: LTD Benefits Lawyers

Talking to a lawyer can help you determine if your experiences qualify you to draw LTD benefits. We have the experience that gets re$ults. Our years of experience representing injury victims have equipped us with the negotiation skills and strength of legal advocacy necessary to secure results for our clients.

To get in touch with our Toronto long-term disability claims lawyers, contact us online or call us at 416-733-HURT (4878). We offer a free initial consultation for our services, and translation services are available in any language. If mobility is an issue, we will come to you to talk about your situation.