Long-term disability coverage varies depending on your contract

Learning that you are going to have to stop working because of a medical condition or injury is a hard pill to swallow. For some people, long-term disability is the answer to the problem of loss of income. In Canada, the qualification for long-term disability depends on your insurance contract.

In many cases, you have to be totally disabled in order to receive long-term disability. This means that you are unable to work. Some cases utilize a graduated system for determining disability. In the first two years, this can mean that you can’t do the work you were doing before your accident. Once those two years are over, you have to show that you aren’t able to do any work at all.

As you go through the process of applying for long-term disability, you might find that the process is difficult. We can help you to work on filing your claim so you can focus on getting better or learning to live your life in spite of your disability.

Even if you are unsure of your coverage and not sure where to start with a long-term disability claim, we can help you learn what you need to know. We can go over your insurance policy to let you know about your coverage. We can help you understand the process for making your claim. If your claim is denied, we can help you to appeal that decision so that you can get the help you need. We know that you don’t want to rely on long-term disability but that your situation might force you to do so.