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At Zayouna Law Firm, we really take the time and go the extra step to get personally acquainted with our clients and their situations.

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Long-term Disability

What is long-term disability law?

A long-term disability insurance plan is your safety net — one you hope you would never need, but is there for you in the event of a life-altering, worst-case scenario. This is generally provided through employers, especially in high-risk occupations.

No one ever dreams of having to rely on long-term disability insurance in the face of a catastrophic injury or illness. Even worse is when this safety net fails to fulfill its purpose, leaving you without disability benefits and the ability to work ever again.

Our lawyers at Zayouna Law Firm are here to make things right, starting with restoring your safety net. We help you fight your insurer’s decision if they decline to pay, or terminate your long-term disability benefits. You should not be left to suffer the impact of a long-term disability alone.

Why You Need a Long-Term Disability Lawyer

Long-term disability insurance is meant to protect you, especially when you work in a high-risk occupation where you operate heavy machinery, are exposed to toxins, suffer an accident, or fall ill. It provides income replacement benefits for when you are unable to work — a lifeline for covering your basic needs and accessing crucial rehabilitation treatments, as well as upholding your quality of life.

Issues with Long-Term Disability Claims

The reality of long-term disability insurance could not be farther from its purpose. Many survivors of catastrophic injuries and illnesses are doubly burdened by the inability to earn an income, and access rightful disability benefits. Insurance companies are known to rarely make the claims process easy, instead posing barriers, such as:

  • Vague and complicated language
  • Misleading medical and occupational assessments certifying that you can work
  • Reduced, partial, or delayed payments, insufficient to cover living expenses
  • Denied disability claims, leaving you without income altogether.

File a Long-Term Disability Lawsuit

Was your disability claim denied, delayed, or reduced? Our long-term disability lawyers can help you fight your insurer’s decision. A long-term disability lawsuit allows you to claim your rightful disability benefits, and rebuild your life following a catastrophic injury or illness.

With a successful claim, we can ensure you are guaranteed income replacement benefits, access to crucial resources for healthcare, rehabilitation, and accessibility supports you need due to your long-term disability. Zayouna Law Firm can help you seek compensation for the added pain and suffering caused by denied benefits. Our goal is to reinstate your disability benefits and help improve your quality of life.

Eligibility for Long-Term Disability Claims

The impacts of long-term disability are lifelong. Workplace injuries, motor vehicle accidents, and illnesses can change your life forever, leaving you with mobility or visual and hearing impairments, chronic pain, and lasting mental health struggles. 

All of these can hinder your ability to work and earn a living. Long-term disability insurance should protect you from these adverse effects, but it remains an imperfect and difficult system that fails to help you.

Common Causes of Disability Claims

The most common diagnoses that qualify for long-term disability benefits:

  • Personal injury, including workplace injuries, motor vehicle accidents, slip and fall accidents, and more
  • Heart disease and stroke
  • Cancer
  • Depression, anxiety, and other mental health conditions
  • Traumatic brain injuries
  • Spinal cord injuries and paralysis
  • Nervous system disorders
  • Chronic pain disorders, including arthritis and fibromyalgia
  • Infection.

Even with these common and eligible causes, many insurance companies still deny, delay, or reduce benefits for otherwise valid claims. Our long-term disability lawyers can help you dispute your insurer’s decision. We’ll file a lawsuit to claim your rightful disability benefits and ensure you are supported on your journey to recovery and rebuilding.

Our Long-Term Disability Lawsuit Process

At Zayouna Law Firm, we understand the impact of a long-term disability on your quality of life. Our long-term disability lawyers are here to help you navigate treatment, recovery, and income replacement, and ensure you are fully supported with the disability benefits you deserve. See how we help you fight for your rights:

  1. Consultation: Book a free consultation to discuss your denied or terminated long-term disability benefits. We can advise you of your legal options to claim income replacement benefits.
  1. File your long-term disability lawsuit: We will represent you in court, and work with medical and rehabilitation professionals, industry occupation experts, and financial experts to present exhaustive evidence of your disability and need for disability benefits.
  1. Resolution: We aim to deliver the best outcome — your income replacement benefits and improved quality of life. Outside the courtroom, we can connect you with rehabilitation experts to aid in your recovery. With our contingent fee scheme, we only charge when we win.

We are Your Long-Term Disability Lawyers

Zayouna Law Firm is dedicated to your well-being and quality of life as you face a long-term disability. From consultation and representation, to your recovery and next chapter, our commitment is tireless advocacy for the disability benefits you deserve. Trust our vast expertise in disability law:

  • Results: We are driven by your success — your reinstated disability benefits and improved quality of life. We have successfully represented countless long-term disability claims, and ensured our clients receive the benefits they deserve.
  • Relationships: More than our esteemed affiliations with the Ontario Trial Lawyers Association and the Ontario Bar Associations, we value our relationship with you the most. Our commitment is constant communication and your full participation throughout the legal process so that you can make an informed decision on your claim.
  • Recovery: At Zayouna Law Firm, we work for you — your long-term disability benefits and quality of life. We advocate for you in and out of the courtroom, and ensure you are fully supported as you navigate life with a long-term disability.

Long-Term Disability Lawsuits FAQs

The allowable period for taking legal action on a denied disability claim depends on: when you received the notice of denial; the reason; and when the insurance policy was entered into and whether it had been renewed. 

Generally, there is a two-year limitation period in long-term disability claims; however, each claim is unique. An experienced disability lawyer can help you determine these factors and ensure that your lawsuit is commenced as soon as possible, within the allowable timeframe.

The strength of your case and the benefits and/or compensation you may receive will depend on the specific facts and evidence. To build a strong claim, an experienced disability lawyer will need to present exhaustive medical documentation and evidence that detail your diagnosis and its impact on your inability to work. Your long-term disability lawyer can discuss settlement offers with you and ensure that you can make an informed decision on the best amount and terms that you can accept.

After reaching a settlement, you will no longer receive further benefits, since the settlement amount accounts for past and future benefits. This is known as a full and final settlement. However, your insurer may propose a settlement for past amounts owing, and reinstate your benefits moving forward for as long as you are eligible.

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