Long-Term Disability (LTD)
If you have acquired an injury or illness and cannot return to work, long-term disability insurance may provide you with part of your income. The purpose of long-term disability is to make up for any financial difficulties you may experience due to not returning to work due to a health problem.
To qualify for long-term insurance, you must have been out of work continuously for 17 weeks or more. That is, you must have gone through the short-term disability process. In this process, your disability is financed by your employer.
The most long-term disability defines total disability when you cannot perform the essential functions of your job, even though you can complete the tasks of another occupation for the initial 24 months. After 24 months, the definition of disability change is changed from the occupation’s total disability to any work.
It is quite common for long-term disability claims to be denied. There are numerous reasons for this:
- Missing medical records or evidence
- Requests or appeals missing deadlines
- Insufficient treatment compliance
- Policy exclusions
- Complainants only not meeting the definition of the law
Unfortunately, disability claims can also be denied simply for some injustice. If you are in this situation, we can help you. We have experience with long-term disability. Call us today for a free consultation – 416-221-2221