Long Term Disability Benefits

If your claim for Long Term Disability Benefits has been denied by your insurance company, David Share Associates can help you secure the benefits you deserve.

Our skilled lawyers can review your policy to ensure that it is being properly applied to the circumstances of your claim.    For peace of mind that your claim is being handled by a law firm that has extensive experience in handling long term disability benefit claims turn to David Share Associates.     The firm is based in Toronto and represents clients throughout Ontario.

There are time limits to all long-term disability claims and any delay in proceeding may be subject to a deadline. You should not delay in proceeding with your disability claim or obtaining legal advice to clarify these deadlines as you may not be able to pursue your benefits at all if an applicable deadline passes.

Employers often offer Group Benefit Plans that include long term disability benefits and provide some guidance to employees on how to submit a claim.

For professionals who own their own policies, manoeuvring through the red tape to file a disability claim, and prove to the insurance company that it is valid, can be comparatively more difficult.

Private disability plans in Canada pay benefits after the expiration of a waiting period of usually between 30 - 90 days or longer depending on the particular policy. Many private policies provide for long term benefits, in the event that the policy holder is totally disabled from their own occupation.

For younger policy holders, it can be even more difficult to get insurance companies to agree to long term disability benefits, as the length of time they are paying out benefits will be longer.

Many cases are resolved by negotiating a lump-sum settlement as both the policy holder and the insurance company prefer to end their ongoing relationship in exchange for a mutually agreeable compromise.

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Free Disability Claim Guide