In addition to the social, physical and emotional hardships this poses, their future earnings potential and long-term financial stability becomes uncertain. 

Long-term disability insurance (LTD) is available either privately or through an employer’s benefit plan. LTD benefits provide income replacement for those who are unable to work due to illness, injury, or accident for an indefinite period of time. Your coverage will be determined by the terms of your insurance policy, and are equivalent to 50%-85% of your pre-injury monthly income. The length of time over which you are covered varies based on the severity of the injury, and how long the injury prevents your re-entry to the workforce. 

Before submitting a benefits application, the insured person is required to satisfy the “qualifying period” – a length of time during which they are continuously unable to work – to be eligible for benefits. The case will then be decided based on facts derived from the “disability test” that exists within the policy, whereby the claimant’s definition of disability changes from “own” occupation to “any” occupation.

The provisions of long-term disability policies are lengthy and complex – we will help you understand your insurance policy and shoulder the burden of potential legal complications and insurance disputes. Moreover, our team of dedicated LTD lawyers will relieve you of undue financial stress, and ensure your long-term medical, rehabilitative and home care needs are covered. Pending settlement. 

An insurer will usually deny a claim on the basis that you do not meet the definition of disability, which entitles you to benefits. Our team is well-versed in the various tactics used by insurance companies to deny or terminate long term disability benefits. If your claim has been unjustly denied, our lawyers will evaluate the terms of your case, and commence a lawsuit to secure the compensation you deserve. 

Whether you have recently been involved in an accident that resulted in a permanent injury, or wrongfully denied access to LTD benefits, our team of experienced lawyers can help. If you have disability insurance questions, we are happy to assist. 

Our long list of satisfied clients is a testament to our ability to deliver results. Our firm will ensure that all aspects of the claim are pursued fully in order for the victim and family to receive full compensation. While our focus is to settle your case without going to trial, your representation at Fox Vanounou LLP will also advocate for your rights in court should the need arise.

Compassionate care and expert guidance is at the core of our practice – we are here to help every step of the way.