Long term disability (“LTD”) policies are benefits that are payable to you in the event that you can no longer work as a result of an injury or illness. These insurance products, usually offered by employers as part of your overall compensation package, are provided by a third party insurance company and designed to ensure peace of mind through income support while you are unable to work.
If you believe your insurance company has terminated your benefits improperly, we can help.
Call 1-888-662-2481 or use our contact form for risk-free representation, with no fees collected until your claim is successful:
EXPERIENCE – Oatley Vigmond’s Greatest Asset
Most LTD insurance policies commence payment of benefits after short-term disability insurance (or sometimes employment insurance benefits) expires, usually at the three or six month mark. LTD benefits usually pay a percentage of the employee’s salary at the time of onset of the disability, for a prescribed period of time. Many policies only provide coverage for 2 years, unless the employee is unable to return not only to their own job, but to any job for which they are reasonably suited, or could be re-trained to perform. This is known in the insurance industry as the “any occupation” phase of the LTD policy.
Frequently, the transition to the “any occupation” phase results in termination of benefits, with the insurance company suggesting that the employee is able to return either to his or her own job, or to another job. The termination of LTD benefits can be very stressful for the employee, who may disagree with the insurance company’s decision. Adding to this stress is that insurance companies often terminate a sick or injured worker’s disability benefits without sufficient or any legitimate reason to do so. When this happens, a policyholder is entitled to sue his or her insurance company for the benefits that have been improperly denied.
While the transition to the “any occupation” phase of a policy is where a claim for disability benefits is typically denied, there are many other ways that an insurer can attempt to avoid paying benefits. These can include alleging that an insured person has failed to provide timely or appropriate medical information, failed to file their application on time, or failed to participate in treatment or a return to work plan. Again, when this happens, legal action may be required in order to gain access to the benefits that were improperly denied.
Finally, a long term disability insurer has an obligation to manage claims fairly and in good faith. A failure to do so could result in punitive damages or mental distress damages beyond what is payable under the contract of insurance. While these damages are rare, they present another avenue of recovery for those whose benefits are unfairly denied.
The lawyers at Oatley Vigmond have a long track record of making insurers do the right thing. If you have been denied benefits for any reason, please contact us for a free initial consultation. We are able to help you.
At Oatley Vigmond, we never charge our clients until their disability insurance claims have been secured. We offer free consultations and do not charge for unsuccessful claims. This policy allows us to put qualified, risk-representation in reach of anyone in Ontario.
Call l 1-888-662-2481 to speak with a lawyer, or visit our contact page for a no-risk consultation, and do not pay until your claim is successful.
PUTTING PEOPLE FIRST – Oatley Vigmond’s Mandate
At Oatley Vigmond, we strive to make the disability insurance claim process as smooth and stress-free as possible. Our team will take charge of your claim to secure the optimal outcome while you focus on what matters in your life. For over 40 years, Ontarians have trusted us to navigate complex insurance frameworks and submission deadlines.
CONSULT WITH OATLEY VIGMOND – Understand Your Options
Oatley Vigmond represents people throughout Ontario. If your insurer has denied or terminated your disability benefits please contact us to receive a free consultation from one of our experienced personal injury lawyers.
We believe in putting people first – that’s the heart and soul of the Oatley Vigmond approach. Call l 1-888-662-2481 today to learn how we can help you.