Know Your Rights & What To Expect.
Long-term disability benefits are designed to replace your income if you cannot work due to illness or injury. But when you are denied your benefits, you may not know where to turn.
Donnelly Murphy Lawyers can help you get the support you need. We’ll meet with you, explain your legal options, and help you decide what to do next. Contact us for compassionate guidance and advocacy.
(519) 524-2154
Free Consultations & No Up-Front Costs
Several elements can affect the strength of your long-term disability case. You may have had long-term disability insurance through your employer or a private or individual policy. Whether you were employed full-time or even part-time when you were injured could affect how your insurance and benefits respond to your claim.
Since there are so many important influencing factors in long-term disability claims, the best way to know if you have a case is to speak with a lawyer. Donnelly Murphy Lawyers will explain how insurance laws apply to your case and how to move forward to recover your benefits.
Under the Ontario Limitations Act, you generally have two years from the date the insurance company denied your long-term disability claim to file a lawsuit if not otherwise specified in the policy of disability insurance. Because your limitation date may be different, depending on the terms of your policy, it is important to not delay contacting a long-term disability lawyer if your claim is denied.
Long-term disability coverage typically replaces between 60%-70% of your regular income. If your long-term disability benefits are denied or terminated prematurely, you can appeal the insurance company’s decision or file a lawsuit.
In either case, you can pursue a full settlement accounting for past and future benefits, seek reinstatement of benefits, or seek a combination of compensation for past benefits and reinstatement of future benefits if you are eligible.
Dealing with a long-term disability gives you enough to worry about. When you are denied the benefits you need to pay your bills, a long-term disability lawyer can fiercely advocate for you to get the relief you deserve.
From helping you understand the details of your insurance policy to recruiting medical experts to testify on your behalf, Donnelly Murphy Lawyers will handle every aspect of your case. With over 90 years of experience serving the Goderich area, we have experience with hundreds of clients just like you and a record of success both in and out of the courtroom.
Get What You Deserve for Your Long-Term Disability.
If you are unable to work due to an injury or illness, you should be able to recover compensation for all your losses.
But things are not always that easy.
Our experienced long-term disability lawyers will protect your rights and help you find the ability to move forward with life with a long-term disability. Donnelly Murphy Lawyers offers you peace of mind, bringing decades of experience fighting for long-term disability clients.
(519) 524-2154
Free Consultations & No Up-Front Costs
The illnesses and injuries covered under long-term disability policies can vary between insurance companies, but commonly qualifying diagnoses include:
Employers in Ontario are not required to offer long-term disability benefits to employees. Employers who provide long-term disability coverage may require employees to pay all or part of the premium.
While short-term disability might only last six months or a year, long-term disability lasts until the individual becomes well enough to start working again or until the end of the coverage period, usually around age 65.
If your long-term disability claim is denied or your benefits are cut short, you should never feel pressured to return to work before you’re ready to return. Your long-term disability lawyer can go to bat for you against the insurance company and support you in every way possible.
It’s essential to start your long-term disability claim right away – before it’s too late. Contact a lawyer.
When you’re unable to work due to an injury or illness, Donnelly Murphy Lawyers will:
(519) 524-2154
Free Consultations & No Up-Front Costs
Since disabilities can vary widely, the compensation you can expect will differ in every situation. Some of the factors that affect the value of a long-term disability claim are:
Donnelly Murphy Lawyers will thoroughly discuss your situation. We will examine every aspect of your illness or injury and consult with medical experts to review the case and speak to the details of your disability. Whether your case settles out of court or goes to trial, we will fight to ensure you get what you need.
With our offices conveniently located off ON-8 and ON-21, the Goderich, ON lawyers of Donnelly Murphy are ready to answer your questions, explore your options, and help you find a solution if you are dealing with a long-term disability. Let us put our 90+ years of experience to work for you.
