Long Term Disability Lawyer - Neinstein Personal Injury Lawyers

What is a Long Term Disability Lawyer?

It is almost impossible for most able-bodied Ontarians to imagine a life derailed by long-lasting or permanent injury. Losing the ability to visit friends, go to work, or partake in favourite pastimes takes an enormous toll on a person. However, with perseverance and the help of experienced legal and medical professionals, long term injury victims have the chance to regain control of their lives and start fresh.

A long term disability lawyer represents severely injured members of the community. When an individual suffers a serious injury or illness that prevents them from re-entering the workforce, long term disability insurance can make life easier by providing a certain percentage of the individual’s pre-injury income to cover medical care, home care, rehabilitative care, and other necessary expenses.

Disability can take many forms. Physical disabilities include full or partial paralysis caused by a brain or spinal cord injury, or lingering afflictions like chronic pain. PTSD, anxiety, and depression, more commonly seen as mental injuries, can also qualify you for disability benefits. The bottom line is this: if you can’t earn a living after sustaining an injury, you have reason to submit a long term disability claim to your insurer.

Neinstein Personal Injury Lawyers’ team of experienced long term disability lawyers have been working with severely injured Ontarians for decades. Our dedicated staff can help you through every step of your insurance and recovery process, from filing your claim to accessing leading medical and therapeutic services. At Neinstein, our goal is to shoulder the legal burden while you focus on your recovery.

On this page you will find some basic information regarding injuries causing long term disability, long term disability insurance, long term disability benefits, potential legal complications surrounding your benefits, and about Neinstein Personal Injury Lawyers.

People purchase insurance policies to protect themselves against costs and financial hardships affiliated with unexpected events. Serious injuries that hinder an individual’s ability to find gainful employment to support oneself are a perfect example of this eventuality. Insurance companies, though, are ultimately profit-driven organizations, and will avoid issuing a large-sum payout unless absolutely necessary. A long term disability lawyer will stand up to insurance companies on your behalf to ensure you have access to the full benefits to which you are entitled.

Basic long term disability policies will provide coverage for up to two years if you are unable to complete the tasks necessary to do your job. After those initial two years are up, you must be unable to perform any occupation in order to qualify for continuing disability benefits.

Long term disability insurance can be bought individually through a broker or directly from an insurance provider. It may also be available through your place of employment.

Regardless of how or through whom you purchased disability insurance, you have a right to be compensated for your injuries. At Neinstein, our long term disability lawyers will fight to ensure that your rights are protected, either in court, through arbitration, or during mediation.

What types of injuries qualify me for long term disability benefits?

There is no catch-all list of injuries that will qualify you for disability benefits – your coverage will depend on your insurance policy. However, injuries or illnesses that prevent you from performing your job for an extended period of time will generally qualify. The period of time over which you are covered will depend on the severity of your injuries and how long you are affected by them.

Injuries that cause severe physical disabilities like paraplegia, quadriplegia, and other forms of paralysis are often cited in long term disability claims. These can be caused by car accidents, boating accidents, motorcycle or bicycle accidents, or even simple slip-and-fall events.

Other chronic disabilities and illnesses, such as PTSD and chronic pain, may also disrupt your ability to work for a long period of time, and as such are perfectly valid reasons for filing a claim for disability benefits. When an individual is injured through no fault of their own, they should not be punished for their inability to work regularly. The process of recovering from significant physical or mental injuries is often excruciating; adding undue financial stress to that mix is unnecessary. That’s why a Neinstein Personal Injury Lawyers’ long term disability lawyer will fight so hard on behalf of our clients and their recoveries.

What should I do after a personal injury?

If you have suffered a serious personal injury, you should seek out legal counsel as quickly as possible. Insurance disputes and long term disability claims can be lengthy, complicated, and costly procedures, so retaining an experienced and understanding long term disability lawyer is of the utmost importance.

When seeking out a long term disability lawyer in Ontario, look for someone with a wealth of experience serving injured or disabled Ontarians such as those who have or still are suffering from a catastrophic injury. Insurance companies have deep pockets and a bottomless supply of legal tactics, but with the right professional guidance there is no reason why you cannot emerge from your case with fair compensation.

Denied benefits: how can a long term disability lawyer help?

Insurance companies may cite a wide variety of reasons for denying or terminating your long term disability benefits. In some cases, these issues can be easily remedied by reviewing and ensuring that your application is complete, accurate, and in order.

In others, you may require the services of a long term disability lawyer. For instance, insurance companies may dispute your injury claims on the basis that your doctor had not been approved by the company. In another scenario, your insurer may claim that you exceeded the application time limit, that you possessed a pre-existing condition, or that you misrepresented the scope of your injury.

In each of these situations, you should contact an experienced lawyer and seek legal advice right away. Personal injury law firms are aware of insurance companies’ preferred tactics, and have strategies for countering them. If you have been unjustly denied disability benefits, an experienced and attentive personal injury lawyer will be able to successfully secure compensation on your behalf.

THE LEGAL PROCESS OF A LONG TERM DISABILITY CLAIM

A long term disability lawyer will pursue different legal tactics depending on the unique circumstances of each case. These may include mediation, arbitration, and, of course, arguing their clients’ case before the court.

Mediation is perhaps the most informal of these scenarios. It generally involves a negotiation between two parties, mediated by a neutral third party observer with expertise in the area of long term disability benefits and disputes. This form of resolution takes place outside of court. In most circumstances, mediation is the most cost-effective approach to resolving legal disputes. If both sides are amenable to compromise, it can also substantially reduce the time it takes to find a solution.

Arbitration is a more formal approach to mediation, and is also regulated by a third-party mediator. The primary difference between arbitration and mediation is that the opinion provided by the third-party is, in some cases, legally binding.

If these approaches do not succeed, your case will likely be decided in court. Neinstein’s team of long term disability lawyers has a wealth of experience defending clients in court. Over our decades in business, we have developed a reputation as tough, well-prepared advocates for our clients’ rights. We take pride in ensuring injured Ontarians’ are represented, and fight hard to access compensation for our clients.

Contact a Neinstein Personal Injury Lawyers long term disability lawyer

Neinstein Personal Injury Lawyers has been in business supporting and representing injured Ontarians for more than 45 years. In that time, we have litigated cases involving all manner of catastrophic injury, and have developed a reputation as tough, focused, and compassionate advocates.

Long term disability claims are one of our firm’s particular areas of expertise. When representing severely injured clients, we do much more than argue before a judge. We will prepare and file your insurance claim application, prepare your lawsuit documents, and hire experts on your behalf.

We also understand that the effects of this injury will be not just physical, but emotional, mental and monetary, too. That’s why we take great pride in helping our clients access the medical, therapeutic, and rehabilitative care they need to regain control over their lives. Recovering from a catastrophic injury is never easy, but we aspire to make the road as smooth and painless as possible.

Our team can also appreciate the significant financial burden posed by an extended legal battle, which is why we are proud to work on a contingency basis. In other words, you will not pay a cent in legal fees unless we are able to successfully secure compensation for your injuries.

Neinstein’s head offices are located in downtown Toronto, and we serve clients around the Province of Ontario, from Barrie to Kingston to Sudbury to North Bay. If your injuries prevent you from traveling to see us, we may be able to visit you in your place of residence.

If you, a friend, or a member of your family has experienced an accident that resulted in long-lasting or permanent injuries, contact a long term disability lawyer at Neinstein Personal Injury Lawyers today to arrange a free, no-obligation consultation. Our team has decades of experience standing alongside injured Ontarians to ensure their rights and wellbeing are protected. At Neinstein, we endeavor to provide compassionate, understanding, and effective representation that will help you regain control of your life.