Articles Posted in Disability Claim

One of the perks of any job can be the benefits. Such benefits can include money for a massage for relief after a stressful day, or for relief following a car accident. If you need a masseuse in the 905, seek out Lucas Jacobs RMT; he has magic hands.

Another perk can be the disability benefits; whether they be short or long term. Short term and long term disability benefits are often administered by separate third party insurers, such as Manulife, Great West Life, Standard Life, SunLife, Industrial Alliance, SSQ or even RBC Insurance. All of these insurance companies are known for processing, adjudicating, and administering short and long term disability claims.
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The hottest insurance product on the market over the past 5 years has been critical illness insurance or “CI”. What is critical illness insurance? Basically, it’s a policy of insurance which gives you a lump sum payment in the event you sustain a critical illness such as a heart attack, stroke, cancer, blindness, HIV/AIDS, or other critical illness as defined by your policy.

By taking out a policy of critical illness insurance, you’re betting against your own health. You’re saying: “I know I’m going to get really sick, a heart attack, or a bad disease and I want to be compensated for it“. Many see this as a smart bet given the increased reports of heart attack, cancer and other disease.

But what might seem like a simple concept; I get really sick so I get paid a lump sum from the insurance company; isn’t so simple. These critical illness insurance policies contain tens of dozens of exceptions which make it very difficult to make a successful claim.
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Stop using exclamation marks! I can hear (read) you loud and clear. Yes, I know the Toronto Raptors have now won 2 games in a row. Yes I know they beat Phoenix and Utah on back to back nights. Yes I know that Andrea Bagnani deserves some All Star consideration if he can stay healthy. I can’t believe it either. But seriously, we have some more pressing matters to attend to.

Every day, I get calls from prospective clients inquiring about whether or not I can help them with their long term disability claim. I hear the same story. I’m hurt. I can’t perform my job. I’ve applied for Short Term and Long Term Disability Benefits. I’ve been denied. Now I’m not getting paid and money is running out. I’m scared. I’m worried. I’m in pain and I have no source of income. What can I do?

My advice aside from buying a guaranteed winning lotto ticket is to get a personal injury lawyer. If you’re in a non-unionized workplace, or if your long term disability benefits are not governed by your collective agreement, a personal injury lawyer like Brian Goldfinger personal injury lawyer to the stars in Toronto can help.
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Our office gets a number of calls every week from people wanting to know if they qualify for Long Term Disability (“LTD”) benefits; how they can make a claim; or just how their LTD policy works.

This article in intended to give you a bit of help in better understanding the complicated world of Long Term Disability Benefits.

LONG TERM DISABILITY BENEFITS: WHAT ARE THEY?

Many people who have been hurt or injured in an accident ask me why they should contact a lawyer. What will a lawyer do for me that I cannot do for myself?

The answer is simple. A personal injury lawyer will protect your rights to ensure that your claim is protected and to ensure that you are not taken advantage of by the insurance company opposite your claim.

For many, a traumatic accident such as a high speed car accident or bicycle accident represents the first time that they’ve experienced dealing with a serious personal injury claim. As a first time accident victim, you will not have any idea where to start.

Social networking sites like Facebook and Myspace have become increasingly popular over the years. People use these website to post information about themselves, post photos, even videos. These websites are intended to be a fun way to network and interact with others.

Accident victims who start legal actions often make claims that their lives have changed since their accident. People complain of constant pain, fatigue, depression, anxiety and being unable to enjoy their activities or their lives like they did before their accident.

Traditionally, insurance companies have requested mountains of documents and medical records to substantiate and confirm the accuracy of an accident victim’s personal injury claim. Insurance companies are now starting to look to less traditional avenues to get all the dirt they can on an accident victim’s claim.