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Disability Lawyers in Woodbridge

There are disability lawyers serving the Woodbridge area who can help you to file an insurance claim for short-term or long-term disability. Many people make the mistake of trying to do this without assistance. Unfortunately, insurance companies remain solvent by minimizing the amount of compensation they pay out. They demand a lot of supporting medical evidence and paperwork and maintain rigorous standards regarding the way forms are filled out. This means that filing an insurance claim can be complicated, frustrating, and fraught with difficulty. Many times there are firm deadlines that must be met in order for the claim to proceed at all, for example.
Dealing with this type of stress while you are vulnerable due to injury or illness can be debilitating. As we all know, stress only makes an illness worse. Your abilities may be diminished by pain, depression, or exhaustion, and this can lead to errors in the filing of the claim. It's much more sensible to engage an attorney to take care of the legal details, and to conserve your energy for recovery and healing.

When to File a Disability Claim

Workers file disability claims for a wide variety of reasons. One out of every three Canadians will experience a period of 90 days or more where they are unable to work due to an injury or an illness. The types of reasons people file claims range from traumatic car accidents to mental illnesses such as depression. If you are unable to work, you may be eligible to receive benefits.
Most times, your first move is to claim sick leave. This may not require anything more than talking to your employer. After your sick leave runs out, you may file for short-term disability. If you are unable to recover in the time allotted for short-term benefits (generally 16, 26, or 52 weeks, depending on your coverage,) you can then file for long-term disability benefits. Typically, long-term disability replaces 60% - 70% of your earnings. However, if you have a high income, the percentage may be less. Long-term disability benefits usually last two years, as long as you can prove that during that time you remain unable to perform your regular occupation. After that point, you must be able to prove that you are unable to perform any job in order for benefits to continue.
Many insurance plans include funding for rehabilitation programs, which you will be required to attend if doctors feel they are appropriate for your recovery. The amount of long-term benefits may be reduced by the amounts received from CPP, QPP, or WSB/WSIB.
As well, a lawyer from a firm specializing in disability claims will be familiar with the types of benefits available under your particular policy and may be able to point out many avenues for funding that you may not know about. For example, some policies offer support such as monies to be used toward care giving during recuperation. Funds may even be available for housekeeping and home maintenance during the time that you're unable to do these tasks yourself.

A Legal Advocate

An attorney will be able to assess your coverage, and help maximize the benefits you receive. Contact a disability law firm serving the Woodbridge area today!
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Zarolia Barristers Professional Corporation        |        416-789-9200        |        info@zarolialaw.com        |        www.zarolialaw.com
3200 Dufferin Street Suite 500,   Toronto,   Ontario,   M6A 3B2,   Canada