Long Term Disability Lawyer

Work with a long term disability lawyer in Ottawa who has the experience necessary to assist you with your short or long term disability claim. We offer a free, no-obligation, confidential consultation to discuss your claim, designed to reduce stress and provide clarity. Our firm operates on a contingency fee basis, typically taking 33% of any award or settlement only if you win your case.

Our commitment is straightforward: you don’t pay unless you succeed.

With extensive experience in long-term disability law in Ottawa, we understand that more than half of valid disability claims are denied each year. We are here to help address this issue and ensure you receive benefits that you’ve earned.

• Handling short-term disability benefits applications
• Assessing short-term disability benefits claims
• Submitting long-term disability benefits applications
• Analyzing long-term disability benefits claims
• Taking legal action to secure rightfully owed benefits

Short-term disability (STD) benefits are usually contained within your employee benefits packages, ready to support you during temporary periods of disability. STD and LTD benefits provide crucial income replacements for employees who are unable to work or perform their usual job functions due to illness or injury. These benefits are part of a contractual agreement between the provider (employer or insurance company) and the beneficiary (you), designed to offer financial assistance during difficult times.

STD benefits typically cover a period ranging from 12 weeks (roughly 3 months) to 24 weeks (around 6 months), depending on the policy’s terms. When needed and if eligible, STD benefits may transition into LTD benefits, which offer extended support for a longer duration.

Qualifying for STD benefits depends on the policy’s definition of being “totally disabled.” It’s important to understand that “totally disabled” does not necessarily mean completely unable to work in any capacity. This definition varies from one policy to another, highlighting the importance of understanding your specific policy’s criteria.

Insurance companies frequently deny these claims, often citing insufficient evidence or misinterpretations of policy terms. However, with the assistance of a skilled short-term disability lawyer, you can contest these denials and secure the benefits you deserve. An experienced disability insurance lawyer plays a vital role in successfully managing your claim, ensuring all necessary documentation is provided, and advocating on your behalf to achieve the best possible outcome.

At Unified LLP, we specialize in navigating the complexities of disability insurance claims. Our dedicated team will work closely with you to gather comprehensive medical evidence, accurately complete all required paperwork, and effectively communicate with the insurance company. Our goal is to alleviate the stress of the claims process and maximize your chances of approval.

For a no-risk, no-fee evaluation of your eligibility for disability benefits, please contact us at . Our team is ready to provide the essential guidance and support you need during this challenging time.

• Undergoing surgical operations
• Recovery after surgery
• Trauma or accidents (both short-term and long-term)
• Healing from trauma or an accident
• Mental health issues (both short-term and long-term), including depression and anxiety
• Development of a new medical condition
• Worsening of an existing health condition
• Coping with grief from the loss of a family member

Much like short-term disability benefits, long-term disability (LTD) benefits are usually a component of your benefits package. LTD benefits provide crucial income replacement for employees who cannot work due to illness or injury.

In cases where an employer does not offer STD benefits, LTD coverage usually begins once any employer-provided sick leave is used up or after the completion of Employment Insurance (EI) Sickness Benefits, which can extend up to 15 weeks.…