File a Long Term Disability Claim
Filing a long term disability claim begins with the application package, which varies depending on whether your policy is private or employer-based. If your coverage comes through your employer, each of the following should be included:
- Your employee statement
- Your employer’s statement, which helps establish the extent of your financial losses and the requirements associated with your job
- Your attending physician’s statement, which addresses the nature of your injury or illness and the degree to which it impairs you
If you own a private disability policy, your claim will include a claimant’s statement and attending physician’s report. You will also provide an employer’s statement or a report describing your occupation if you are self-employed. The more accurate and thorough each of these is, the better your chances are of settling your claim fairly and in accordance with your long term disability coverage.
Conditions That Qualify for Long Term Disability
Many physical and mental conditions qualify for long term disability benefits, including:
- Physical injuries, such as TBIs, spinal cord injuries, fractures, and repetitive strain injuries
- Chronic illnesses, such as cardiovascular conditions, conditions that cause chronic pain or fatigue, and respiratory disorders
- Mental health conditions, including depression, PTSD, anxiety disorders, and bipolar disorder
If the injury or illness seriously prevents you from being able to perform your job duties for a considerable amount of time, it qualifies as a long term disability.
Steps to Take If Your LTD Claim Was Denied
After going to all the effort of compiling a solid LTD benefits claim, it can be disheartening to have it denied, but it’s important to keep in mind that this doesn’t mean all hope of receiving fair compensation is lost. Instead, it means that there is more work to be done.
Often, the main obstacle is clarifying the extent of your disability by providing more comprehensive and more up-to-date medical documentation. The denial letter you received should outline the reason that your claim was denied, and your expert long term disability lawyer will take the constructive steps necessary to effectively challenge the decision.
The Role of a Long Term Disability Lawyer in Barrie
The positive impact of having skilled legal representation in your corner from the beginning can be difficult to overstate, and it can come in many different forms.
Skillfully Guiding You Through the Process
Your dedicated long term disability lawyer recognizes the vulnerable position that you’re in and will spare no effort in their focused pursuit of an advantageous claim resolution. A big part of this is ensuring that you know what to expect and how to avoid the errors that derail otherwise viable claims.
Building Your Strongest Claim
LTD claims are often denied as a result of inadequate information. With skilled legal counsel backing you up, you can proceed with the peace of mind that comes from knowing your claim is in good shape and in skilled legal hands.
Knowledgeably Negotiating with the Insurance Provider
Resolving your LTD claim favourably will likely hinge on your ability to negotiate advantageous terms, and having a knowledgeable long term disability lawyer on your side can make all the difference.
Being Well Prepared to Take Your Case to Court
Most LTD claims are settled out of court, and yours is very likely to do the same. However, if your case presents unique complications or if the involved insurance company won’t honour your rights in accordance with your policy you, you’ll need to take the matter to court.
The good news is that the lawyers at Burn Tucker Lachaîne have a proven track record in court. We have skilled staff and will assemble an experienced trial team to battle the insurance company if necessary.
Contact Our Barrie Long Term Disability Lawyer to Discuss Your Case
A long term disability will impact your ability to support yourself and your family, which makes seeking just compensation of critical importance. The diligent LTD lawyers at Burn Tucker Lachaîne in Barrie take great pride in our track record for successfully guiding valued clients like you toward beneficial claim resolutions, and we’re here for you, too. Your claim is important to your future, so please don’t hesitate to reach out and contact or call us at 416-365-1223 to schedule a free initial consultation today.
March 6, 2025 
