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
Most people have some form of disability insurance.
Disability insurance insures your earned income against the possibility that
you will become
or will develop a debilitating disease. Reasons for making a disability insurance
uncomfortable to work. This encompasses various mental
illnesses that make people unable to function in the workplace.
painful to work. This can be caused by either illness or injury, and
includes such ailments as chronic back pain.
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
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.
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!