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
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!