Important Information

Greater Toronto Area (GTA) & Car Insurance

Today we are going to discuss car insurance premiums in GTA. This should not come as news to many that GTA is by far the most expensive region in...

Read more
Self-Driving Cars In Ontario

Ontario Transportation Minister Steven Del Duca recently announced that Ontario will allow companies to test Driver-less cars on its roads,...

Read more

10 things you must do after a car accident:

Personal Help Request
Take our free initial consultation
Tell us more about you problem

Disability

Our Experienced Disability Lawyers Can Help You! 

Personal injury disability law is very comples. Our personal injury lawyers facilitated the litigation and settlement of dozens of cases related to disability, including short and long term disability.

Suffering from an injury or an illness that prevents you from working can not only be detrimental to your career but also to your personal wellbeing. Fortunately, most employers have a disability plan in place for such situations, these plans allow employees to receive a portion of their income to help cover costs and related expenses while they are recovering.  The length of time and the percentage of income covered vary from insurance policy to insurance policy, though most organizations have the policy broken down into short term and long term plans.

Short-Term

As implied within the name Short-term benefits are only to be used for a specified amount of time usually ranging from 15- 30 weeks, depending on the policy and the employer. Short- term benefits begin only after the employee has exhausted all of their sick days. The policy usually covers ranges between full pay to a portion of the employees monthly income. Note not all disability benefits policy’s cover “Short-term disability” in cases such as these employees only have their sick days and EI (Employment insurance) to cover them during their time off.

Long-Term

An employee’s Long-term benefits begin once their short-term benefits and/or EI (Employment insurance) have been used up. Like short-term benefits the employee’s long-term benefits pays a portion of their monthly earnings. Long-term disability provides the employee with income for up to two years to the date where the employee was no longer able to perform their duties. After this two year period has ended, long-term benefits usually stop, unless the injured employee is unable to return to their old position AND is unable to successfully work in an occupation geared to their current skill sets. Receiving Long-term benefits after the two years can be extremely difficult the employee must:

  • Prove their disability has prevented them from returning to their pre-injured self
  • Gather medical evidence and medical reports proving their disability stops them from returning to their old position

Gathering the above information can be very taxing and time consuming. Though if done properly can help the disabled employee receive long-term benefits after the 2 year date. Please note that there are other benefits that can help with lost income during your disability claim other fund mediums include CCP and WSIB benefits.

How A Personal Injury Lawyer Can Help

Dealing with insurance companies can be a very unpleasant experience. Insurance adjusters have years of experience in dealing with the fore mentioned matters leaving disabled employees at a disadvantage. For this reason it’s always a good decision to hire an industry expert of your own to help you fight for compensation that is rightfully yours. Ambridge Law LLP lawyers know how to capitalize on disability insurance claims and help clients get back the benefits that they have been denied.

Contact a Disability Lawyer Today for a Free Consultaiton: 

If you are suffering from disability and planning to claim disability benefits, contact us right away for a FREE consultation. Your first consultation is free and your costs are deferred until the case reaches settlement or is won. The disability lawyers in our firm are:

  • Multilingual
  • Able to visit you in the hospital or at your residence
  • Flexible with scheduling
  • Easily reached by public transportation

Talk to a lawyer for FREE: call 416-590-1777 or click “Get Help” below.