However, if you\u2019ve been in an accident, or suffered a serious personal injury, worrying about your finances is a major burden<\/strong> you\u2019ll face. If your injury is serious enough, you likely won\u2019t be able to return to work.<\/p>\n Losing the ability to work is devastating, and if you have a family, it impacts multiple lives. The stress of your injury or disability alone is enough to leave you stressed, heartbroken, and not knowing where to turn.<\/p>\n We\u2019re here to help. Making your long term disability claim is a tough process<\/strong>, and understanding it will help you get the most out of your settlement.<\/p>\n Get the facts now and prepare to get your life back on track as best you can.<\/p>\n <\/p>\n Long term disability benefits are awarded to those who are unable to work<\/a> due to a disability. It is intended to make up for lost income<\/strong> you would otherwise be earning.<\/p>\n Serious injuries can occur from many types of personal injury. Whether you\u2019ve suffered a traumatic brain injury<\/a> or a spinal cord injury<\/a>, there are sometimes serious consequences you could suffer that leave you blindsided<\/strong>.<\/p>\n Sometimes disability insurance is offered through your employer, and in other cases it\u2019s part of your private insurance policy. There are also programs such as the Canada Pension Plan<\/a> and Child Disability Benefits you could qualify for.<\/p>\n Disability benefits are extremely important<\/strong> for many families affected by severe injuries or illnesses. They provide financial support for lost household income, caregiver costs, medical bills, and other hefty expenses.<\/p>\n These benefits can also be offered to families who\u2019ve suffered the tragedy of a child becoming disabled and need to change their lifestyle to accommodate that child\u2019s care.<\/p>\n Going up against an insurance company is scary and intimidating. These companies have expensive lawyers and plenty of resources to fight you on your claim.<\/p>\n With a lawyer by your side, you can feel confident enough to fight for what you deserve. Additionally, you will gain a better understanding of what you’re entitled to.<\/p>\n Here are three major situations where a lawyer can help<\/a>:<\/p>\n When the insurance company denies you, your fight isn\u2019t over. A lawyer will stand up for you<\/strong> and find another way to get your long term disability claim accepted.<\/p>\n <\/p>\n In your long term disability claim, you\u2019ll notice the terms \u201cany occupation\u201d and \u201cown occupation\u201d quite often. These terms are important and can make or break your claim. Therefore, it\u2019s important to understand what they mean.<\/p>\n Both Own Occupation and Any Occupation standards<\/a> refer to the time frame of your long term disability claim. These benefits usually last anywhere from 2 to 5 years, depending on your policy details.<\/p>\n Own Occupation<\/strong> refers to your inability to perform the job you were doing before your disability.<\/p>\n To meet this standard, you need to be able to show that you are no longer physically or mentally incapable of performing your job.<\/p>\n Any Occupation<\/strong> refers to any job you\u2019re incapable of doing within your experience, education, or other qualifications.<\/p>\n This standard is important because you have to be able to show that your disability limits you from performing multiple kinds of tasks, and that you couldn\u2019t just switch to a less demanding job.<\/p>\n Essentially, for this standard to be met, you have to be able to prove you can\u2019t do any job<\/a> within your qualifications. If this is the case, you can continue to receive your long term disability benefits.<\/p>\n Qualifying for long term disability<\/strong> depends on certain circumstances. Your lawyer will go over those circumstances with you and will help you go through the options you have.<\/p>\n They\u2019ll also help you make sure you fill out all of the forms and documents properly to ensure your claim is as strong as possible. One small mistake can be a major setback on your application.<\/p>\n You also need to make sure you have your doctor\u2019s support<\/a> and recommendation. Without this, it will be extremely hard to prove that you can\u2019t work. You’re also more likely to get denied without it.<\/p>\n A disability claim depends on your ability to prove that you are physically or mentally incapable of working<\/strong>. Notes and records from your doctor are your number 1 resource for proving this to your insurance company.<\/p>\n![\"Man](\"https:\/\/contelawyers.ca\/wp-content\/uploads\/2017\/06\/longterm1.jpg\" "\\"Long")
What is Long Term Disability?<\/h3>\n
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Why You Need a Lawyer on Your Side<\/h3>\n
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What Are the \u201cAny Occupation\u201d and \u201cOwn Occupation\u201d Standards?<\/h3>\n
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Making a Long Term Disability Claim<\/h3>\n
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