LONG TERM DISABILITY INSURANCE (LTD)

In our experience, insurers are eager to collect premiums for LTD policies, but not so eager to pay benefits even in glaring situations of disability.

Disability policies are purchased to protect you in the event of unexpected disability whether that disability is from injury or illness.  When you're not able to work because of disability, obviously you expect and depend on the LTD insurer to pay your benefits.  Not only are you receiving no income when not working but with your injury or illness, now you face extra costs such as physiotherapy, medical devices and other costs.  The stress and anxiety associated with financial hardship and disability is only aggravated by the onerous "hoop jumping" insurers put their policy holders through.  We can help you navigate the complicated language of policies, help you know your rights and help you by communicating with the insurer on your behalf.

Generally there is a two year limitation which means a  claim must be commenced with the Court within two years or you might not be able to pursue your claim.  Because this is a complicated issue, you are urged to seek immediate legal advice from a lawyer experienced with LTD matters.

1.  How do I pay?  Most clients prefer contingency fee which means the client pays only if and when there is recovery of compensation.

2.  Do I pay if no recovery?  No