What Is ‘Total Disability’ In An LTD Claim?
Insurance policies state that to qualify for benefits, the insured must have a “total disability.” This can discourage individuals from making a claim because they believe they won’t qualify, but that is not necessarily the case.
Sometimes long-term disability benefits are stopped because the insurer claims you are not totally disabled anymore.
Pereira Walter Lawyers LLP has an intimate understanding of what “total disability” means and will vigorously advocate for you to get you the benefits you need during your recovery.
Every insurer has a different definition of the term, but the term itself can cause confusion as to its meaning. Total disability in an LTD policy generally means that you are unable to perform the essential tasks of your job while you are recovering from injury or illness. In most LTD policies, the definition of total disability will change after two years and thereafter means that you are unable to perform the duties of any job you are suited for and for which you can be gainfully employed.
We Can Help You Prove Your Case Through Skillful Analysis
A decision from an insurance company to deny your claim or cut off your benefits need not be the end of the road for your long-term disability claim. If you have been denied, our Mississauga lawyers will thoroughly analyze your claim with you and advise whether you have a claim for further benefits.
If the insurance company denial of your claim was wrong, we will mount a vigorous fight to prove that you are rightfully entitled to the benefits you have been denied.