There are many ways in which a person might become disabled, and countless conditions that can cause a serious or long-term disability. If you have suffered a serious injury or been involved in an accident, you may need to claim disability insurance while you are unable to work.
Our disability insurance lawyers have been dealing with insurance companies for decades, and understand how they work. We will guide you through the process of claiming disability insurance, and protect you in the event that your insurer tries to deny your claim. We will not back down, and will never encourage you to settle your claim to avoid a trial.
Disability insurance is complicated, and insurance companies generally do not want to continue paying benefits on a long-term basis. It is common to have issues establishing and maintaining a claim. Insurers might use unclear language or terms in their correspondence, or refer to fine print in the policy, and it can be difficult to understand exactly what you need to submit and when. A skilled insurance lawyer can interpret these on your behalf, handle paperwork, and meet deadlines, to ensure your coverage is not at risk.
There are two main types of disability insurance: short-term and long-term. Some individuals have only one, or the other, while others have both.
Short-term disability insurance covers individuals who cannot work for a brief period of time. Although policies vary, most short-term disability plans last 3-6 months. These tend to offer full or almost-full salary for the duration of the policy period or disability, whichever ends first.
Long-term disability coverage usually extends to the age of retirement, 65, and some plans can be extended to age 75. They usually provide benefits of up to 70% of your pre-disability salary, and typically have a 3-6 month waiting period before coming into effect.
Jasmine Daya & Co. in Toronto has a team of disability claims lawyers with a proven track record of success against insurance companies. With decades of cumulative litigation experience, we have won millions of dollars in compensation on behalf of our injured and disabled clients with both short- and long-term disability claims.
We can provide legal assistance with your claim for disability insurance arising from any number of conditions or issues. Some of the more common causes of disability include:
If you have questions about your disability claim, or if you have been denied coverage under your policy, Jasmine Daya & Co. can help. We offer free consultations to review your claim and provide clear legal advice about your options. Having a skilled lawyer on your side from the start can make a massive difference in your disability claim, so contact us online or at 416-967-9100 for an appointment.