Whether you’re living pay cheque to pay cheque, or have a little money saved up for a rainy day, an unexpected illness or injury that stops you from working can have a big financial impact.
Long-term disability benefits, if you have access to them either through work or an individual policy, are meant to help replace some of your income and provide peace of mind.
In order to qualify for long-term disability benefits, most policies say that you must show that you are totally disabled from returning to your own job during the initial 24 months. After 24 months you will continue to receive benefits only if you’re unable to return to any occupation for which you are reasonably qualified.
The application process is usually pretty straightforward. There’s a form that both you and your doctor fill out confirming that you’re disabled from working and you’ll send in supporting medical records. But the easy application process can be deceptive and applications are frequently denied at first instance.
Sometimes the denial is legitimate, but frequently it’s not, and you may need to hire a lawyer to show that you have a genuine claim and are serious about pursuing it. That’s where we can help.
Until then, here are a few things you should always keep in mind when you’re hit with an unexpected illness or injury and need to apply for long-term disability benefits:
If you’ve been hit with an unexpected injury or illness and have been denied long-term disability benefits call the team at Jasmine Daya & Co. at 416-967-9100 or contact us online to schedule a free consultation.