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In Canada, 3.5 million people have disabilities. 1.5 million of those people live in Ontario, with a majority of them in the Greater Toronto Area. Disability is associated with much smaller incomes; for example, more than 46% of adults with disabilities in the work force make less than $15,000 a year.
Most people have some form of disability insurance. Disability insurance insures your earned income against the possibility that you will become injured or will develop a debilitating disease.  Reasons for making a disability insurance claim include:
  • Too uncomfortable to work. This encompasses various mental illnesses that make people unable to function in the workplace.
  • Too painful to work. This can be caused by either illness or injury, and includes such ailments as chronic back pain.
  • Impossible to work. Serious injury or illness causing a coma would be an extreme example of this.
The purpose of these insurance policies is to protect people who become injured or ill. Typically, a policy provides long-term disability benefits, along with medical and rehabilitation benefits.
Perhaps you have a policy, either through your workplace or independently, or both. You might reasonably assume that this policy will protect your economic health in case of illness or injury. However, insurance companies very often reject long-term disability claims. This is why, if you need to access long-term disability benefits, you should work with a personal injury law firm in order to ensure that you get the money you're entitled to.
How it Works
Many people make the mistake of thinking that since they've been loyal clients of a particular insurance company, making payments regularly for many years, that when they apply for benefits, they will receive them. However, the only way that the insurance industry can remain afloat is by denying and minimizing as many claims as possible. The insurance adjuster who interviews you is hired to make sure that as few as possible claims are approved, and that those policies that are given the green light are granted minimal amounts of compensation.
Your insurance company may disagree that the illness or injury you are suffering from constitutes a barrier for you to work. Or, they may state that there is not enough medical evidence to prove that you're actually suffering from the illness or injury. If your benefits are denied for either of these reasons, you may actually have to launch a lawsuit against the insurance company in order to get them to pay.
Finding the Right Attorney
You'll want to find a personal injury team that you can work closely with. Your attorney will be privy to intimate details of your life, and will be in your life until you receive what you're entitled to. Look for a law firm that has a good track record in disability cases, and that has experience and expertise you need.
You may also want to look for representation that is comfortable in another language. In the Greater Toronto Area, there are many firms that offer services in other languages. In fact, one GTA law firm offers services in fifteen different languages, including Punjabi, French, Mandarin, Urdu, Croatian, Italian, and Portuguese!
Call a GTA personal injury lawyer today, and get the disability benefits you deserve.
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Zarolia Barristers Professional Corporation        |        416-789-9200        |        info@zarolialaw.com        |        www.zarolialaw.com
3200 Dufferin Street Suite 500,   Toronto,   Ontario,   M6A 3B2,   Canada