Hamilton Long-Term Disability Lawyer
If you’re unable to work due to illness or injury, a Hamilton long-term disability lawyer can help you secure the benefits you deserve. Long-term disability benefits are designed to replace a portion of your income when a medical condition prevents you from performing your job. Unfortunately, many insured persons face denied disability claims or delayed payments from insurance providers. At Auger Hollingsworth Accident & Injury Lawyers, our experienced team of personal injury lawyers in Hamilton provides professional service and legal representation to people with disabilities throughout Ontario.
Experienced Disability Lawyer in Hamilton
Our experienced disability lawyers in Hamilton handle all aspects of disability insurance litigation. Whether you are applying for long-term disability insurance, appealing a denial, or involved in an insurance claim dispute, we provide thorough guidance at every stage. Our legal team has helped clients with denied disability claims, pre-existing conditions, and complex medical evidence requirements. We aim to recover full insurance benefits while offering excellent client service and compassionate support.
What Qualifies for Long-Term Disability in Ontario
To qualify for long-term disability benefits, you must prove that your medical condition prevents you from working. Disability insurers assess eligibility based on medical documentation, policy terms, and functional limitations. Common qualifying conditions include:
• Chronic pain, spinal cord injuries, and brain injury
• Mental illnesses such as depression, anxiety, or PTSD
• Critical illness such as cancer or heart disease
• Severe physical or neurological impairments
Your insurance policy defines disability differently depending on the insurer. Some long-term disability policies use an “own occupation” definition, while others shift to “any occupation” after a set period. Understanding these distinctions is critical to a successful term disability claim.
Types of Long-Term Disability Benefits
Long-term disability benefits can come from multiple sources, depending on your employment status, insurance policy, and medical condition. Understanding these benefit types helps you identify every possible source of income replacement available after an injury or illness. Each program has its own eligibility rules, waiting periods, and benefit structures, so it’s essential to know how they interact.
Individual or Group LTD Insurance
Most employees receive long-term disability coverage through a group plan provided by their employer. Others purchase individual disability insurance policies directly from disability insurance companies. Both cover income replacement when a medical condition prevents you from working.
Canada Pension Plan Disability (CPPD)
CPPD benefits are available for people with severe and prolonged disabilities who have made sufficient CPP contributions. These benefits can be coordinated with long-term disability insurance to ensure steady monthly income.
Ontario Disability Support Program (ODSP)
ODSP provides financial assistance to people with disabilities who have limited annual income and resources. It may supplement short-term disability or long-term disability benefits depending on eligibility.
Workers’ Compensation
For employees injured at work, the Workplace Safety and Insurance Board (WSIB) provides income replacement and medical support. In some cases, you may qualify for both WSIB and long-term disability insurance benefits.
The Process of Filing a Disability Claim
Filing a long-term disability claim in Ontario involves several important steps. Accuracy and thorough documentation are key to preventing delays or denials. Many insured persons find the process overwhelming, especially when coping with a serious illness or injury, which is why working with an experienced disability lawyer can make a difference.
The disability claim process typically includes:
- Reviewing your policy: Confirm that your long-term disability policy covers your condition and employment status. Pay attention to waiting periods, coverage definitions, and exclusions for pre-existing conditions.
- Gathering medical documentation: Collect medical evidence from doctors, specialists, or therapists that describes your diagnosis, treatment, and functional limitations.
- Completing claim forms: Both you and your employer may need to submit forms detailing your job duties, medical restrictions, and expected recovery timeline.
- Submitting supporting evidence: Attach test results, imaging reports, or psychological assessments that strengthen your claim.
- Maintaining communication: Respond promptly to requests from your insurance provider for updates or additional information.
- Appealing a denial: If your claim is rejected, you can appeal through internal review or file a disability lawsuit for benefits owed.
Why Choose Our Disability Lawyers in Hamilton
Real Support Throughout the Process
We provide compassionate guidance and clear communication for delayed or denied disability claims. Our legal services include free case evaluations, appeals, and representation in disability insurance litigation.
No Matter Where You Are in Ontario, We’re Here for You
Whether you live in Hamilton or elsewhere in Ontario, our personal injury law firm supports clients remotely or in person. We assist with both short-term disability benefits and long-term disability claims.
Your Case Matters to Us—Not Just the Settlement
Every client receives personalized attention. We recognize that behind each disability claim is a person facing real hardship, loss of income, medical costs, and uncertainty about the future.
Top Reasons for LTD Claim Denials
Disability insurance companies often deny claims for technical or evidentiary reasons, even when the insured person is genuinely unable to work. Understanding why long-term disability claims are denied helps you take corrective action quickly.
Common reasons for LTD claim denials include:
- Insufficient medical evidence: Missing or incomplete medical reports that fail to establish total disability.
- Contradictory information: Inconsistencies between medical documentation and surveillance or social media activity.
- Pre-existing conditions: The insurer alleges your disability relates to a medical issue that existed before your coverage began.
- Failure to meet policy deadlines: Late submission of claim forms or medical updates can trigger automatic denial.
- Disputes over “own occupation” vs. “any occupation” definitions: Insurers may argue you can perform another type of work even if you cannot return to your previous role.
- Administrative or procedural errors: Simple mistakes in forms or missing signatures can delay or derail a claim.
If you receive a denial letter, a Hamilton long-term disability lawyer can review your file, identify where your claim fell short, and gather the necessary evidence to challenge the insurer’s decision. Our firm has extensive experience negotiating with disability insurers and, when necessary, pursuing litigation to recover rightful benefits for our clients.
FAQs About Disability Claims
What medical evidence do I need for LTD claims in Ontario?
You’ll need medical documentation from your treating physicians, specialists, or therapists confirming your total disability. Reports should include diagnosis, prognosis, and how your condition limits your ability to work.
Can I work part-time while receiving disability benefits?
Some long-term disability policies allow part-time or gradual return-to-work programs while still receiving partial income replacement benefits. Always check your insurance policy terms.
Are LTD benefits taxable?
Taxability depends on who paid the premiums. If your employer paid for your disability insurance, benefits may be taxable. If you paid the premiums personally, the benefits are usually tax-free.
Book a Free Consultation With Our Hamilton LTD Lawyers
If your long-term disability claim has been denied or delayed, contact our legal team for a free consultation. We can assess your disability insurance policies, review your denial letter, and outline your legal options. There are no upfront legal fees until we recover benefits for you.
