INSURANCE & DISABILITY CLAIMS
Claiming Disability Benefits in Burlington, Oakville and Milton
Disability benefits can help see you through an otherwise difficult period in your life. Claiming disability benefits, however, is not always as simple as you might expect. If you are preparing a claim or your disability benefits have been turned down or are less than expected, then it may be time to contact our team of lawyers for a free, personal consultation.
Martin & Hillyer Associates has been helping those with disability claims in Burlington, Oakville, Milton, Halton Hills, and Georgetown for over 45 years. Our insurance litigation team, including, Bruce Hillyer, Stephen Abraham, David Hayward, Claire Wilkinson, Laura Hillyer, James Page and Kennedy Nolan know what to expect during the claims process, including some of the most common reasons claims get denied. We have the experience and expertise to help you maximize the chances of your claim succeeding, and, if necessary, fight a wrongful denial of your benefits.
WE CAN HELP
Our local lawyers will take the time to understand your unique priorities in order to give you the personalized advice you need to reach your recovery goals. Learn more about our personal approach and the difference having a local car accident lawyer can make.
Short and Longterm Disability Lawyers
If you are forced to stop work because on illness or injury, you expect your disability benefits to be there for you when you need them. Many employers provide short term disability benefits which will pay you a portion of your income during the first months you are off work. If you have longterm disability (LTD) benefits, they can provide further income continuation after that, often lasting until retirement age.
To qualify for these benefits, you have to meet certain legal tests. These tests vary from policy to policy and usually change over time, but ultimately they come down to whether or not you are able to return to work in some form or not. If your insurance company believes you can work and terminates your benefits, but your healthcare providers disagree, we can help you dispute the insurance company’s determination and, if necessary, sue them to get the benefits you are entitled to.
LTD and disability insurance disputes often arise in the context of personal injury lawsuits, but they can arise in many other situations as well. Regardless of the cause of your injuries, our team can help you make a strong claim and enforce your rights against an insurance company that is acting unreasonably.
DON’T GIVE UP ON YOUR CLAIM!
We’ve been helping clients in Burlington, Halton and surrounding areas with their disability claims for over 45 years. We understand what it takes to be successful in a claim for disability benefits, and can assist you with your initial application, with appeals of insurance company decisions, and with fighting a final insurer determination in court if necessary. We’ll work to get you back the benefits you are entitled to so you have the financial security you need to get on with your life.
MEET OUR EXPERTS IN DISABILITY CLAIMS
FREQUENTLY ASKED QUESTIONS
INSURANCE & DISABILITY CLAIMS
Typically, in order to receive STD benefits, you must demonstrate that you are disabled, through illness or injury, from preforming the essential tasks of your own job. This is known as the “own occupation” period. To prove this, your insurance company will require your doctor to complete a statement that describes your disability and your limitations. You will also be required to complete an application form yourself. Please see our blog post here for more information.
Limitation periods restrict how long a person has to start a lawsuit for most types of lawsuits in Ontario. In most (but not all) cases, a person has 2 years from the date of an injury or loss to start a lawsuit against someone. If someone does not start a lawsuit before the limitation date, in most cases they are unable to ever do so – even if they had no idea a limitation period existed.
Sometimes it is tricky to determine a precise limitation date, particularly if your injuries weren’t (and could not have been) clear right away, or if the incidents that caused your injuries took place over an extended period.
Since the consequences of missing a limitation period are so serious, it is important that you speak with a lawyer as soon as possible after you have suffered a loss so that he or she can tell you what limitation period applies. Even if you think you might have already missed the limitation period, you should speak with a lawyer to confirm, since there are sometimes exceptions and ways around the deadline that could save your claim.
In some cases, in addition to a limitation period, you need to worry about a notice period. This is a period of time within which you need to warn the defendant that you are going to sue them in the future. They usually apply when governments are the defendants.
Notice periods are usually much shorter than limitation periods – for example, in most cases you only have 10 days to warn a municipality if you are going to sue it for a dangerous condition on a sidewalk.
Missing a notice period without a very good reason can prevent you from starting your case at all, so again – make sure you speak with a lawyer as soon as possible to ensure no time limits are missed.
In most long-term and short-term disability cases, the limitation date is the second year after a claim was denied, but there are some exceptions. It’s a good idea to speak with a lawyer who specializes in disability claims right away if you believe your insurance company improperly denied your claim, so that they can help you determine when the limitation period in your case is.
You may be entitled to receive a monthly disability benefit from the Canada Pension Plan if you have suffered a severe and prolonged disability. We encourage clients to apply for this benefit. Many disability insurance contracts require the injured person to apply for this benefit.
The vast majority of lawsuits in Ontario settle before they go to court. A settlement is where both sides in the lawsuit voluntarily agree to a compromise in order to resolve a dispute without the costs, risks and delays that come with taking a case to court. If your case is settled, the defendant will agree to pay you some amount of money for your damages, and in exchange, you will agree to drop your lawsuit.
While you won’t have to go to court if a case settles, there are other preliminary stages your case might go through that you will have to participate in.
A settlement has to be voluntary for both sides, and we can’t force a defendant to settle. Even if a defendant makes an offer to settle, if the offer doesn’t adequately compensate you for your losses, it may be our advice that you not settle your case.
If a case does not settle, you can go to court to have a judge or jury make a final decision. Going to court increases the costs and risks in your case, but sometimes, where a reasonable settlement is not possible, it is the only way to reach a fair outcome.
We will be there to advise you and represent your interests throughout any settlement negotiations, and throughout a court case if one is necessary. In all cases, the decision about whether to settle your case or to take it to court will be yours to make.
REQUEST A CONSULTATION
If your matter is urgent or of a sensitive nature, please call us at (905) 637-5641 to arrange a meeting. Otherwise, complete the form below and we will contact you within 1 business day to arrange your consultation. Questions about what to expect from a legal consultation? Click here for more information about the process.