We offer a free, no-obligation case evaluation to help you understand your options and explore the best course of action for your personal injury case.
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Our experienced and caring lawyers and support staff work tirelessly to protect your legal rights, while also prioritizing your health and well-being.
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We've recovered over $150,000,000 for our clients. With our no recovery, no lawyer's fee guarantee, we do everything in our power to win your case.
We Win Your Case Or It's Free
Why Choose A Long-Term Disability Lawyer From Cariati Law?
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Affected by legal complications due to a long-term disability? Contact us today for a free consultation with a long-term disability lawyer. We can help.
What Our Clients Are Saying:
Simon Ioia
Mississauga, Ontario
"The experience that comes through is palpable and you feel like you have an army in your corner. Best in the GTA!"
Giovanni P
Concord, Ontario
"They treat you like family, they listen on what you half to say and they always had positive energy."
Karly J
Toronto, Ontario
"They were so amazing and very supportive. They made me feel as if I was as someone not a number."
Long-Term Disability Victims: Top 5 Factors That Can Influence Your Claim
Many policies entitle you to receive LTD benefits for the first 24 months if you are unable to work your occupation due to disability. Then, you are only entitled to receive LTD benefits beyond 24 months if you are unable to work any occupation that the insurer deems reasonable by your education, training, or experience. These 24-month escape clauses give insurers confidence to deny at the 24-month mark for unlawful and often patently unjust reasons.
01
Definition of a Qualifying Disability
This refers to medical records from treating physicians. Supporting doctors can influence whether a claim will succeed or not. Our lawyers will provide guidance, so make sure to have all relevant records to support the success of your claim.
02
Medical Records
This is the period you must wait before you can start receiving LTD benefits. Its length can influence when and how much you'll receive from your claim. In addition, you may be entitled to short-term disability or EI sick benefits during the LTD waiting period. Our lawyers will guide you through this process so you can access available benefits.
03
Waiting Period
This is the maximum amount your insurer will pay out over the term of the LTD policy if you are totally disabled. Knowing this limit is crucial as it determines the total support you can potentially receive. Our lawyers will identify the maximum policy benefit and fight for the best outcome for you.
04
Maximum Policy Benefit
These are specific situations or conditions that your policy does not cover. Understanding these exclusions can help you anticipate difficulties when filing a long-term disability claim. Additional factors can influence your claim; to understand them better, contact Cariati Law today.
05
Policy Exclusions & More
Protecting Long-Term Disability Victims' Rights and Recovery
FAQ
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How much is your case worth?The case value can only be determined after a detailed analysis of all relevant evidence.
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How do we evaluate your case?We do everything in our power to obtain the verdict and compensation you deserve.
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How can this be happening to me?Even simple injuries can escalate quickly due to various factors, leaving you overwhelmed.
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Lawyer myths exposedIf you are living in Ontario, you likely have one chance to get the compensation you deserve. Don't risk your one shot at rightful compensation by choosing a lawyer based on myths.
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What can you do to help me?We offer a no-obligation consultation to assess your situation thoroughly and guide you accordingly.