{"id":3641,"date":"2018-07-18T20:52:38","date_gmt":"2018-07-18T20:52:38","guid":{"rendered":"http:\/\/contelawyers.ca\/?p=3641"},"modified":"2018-07-18T20:52:38","modified_gmt":"2018-07-18T20:52:38","slug":"everything-you-need-to-know-about-long-term-disability","status":"publish","type":"post","link":"https:\/\/contelawyers.ca\/everything-you-need-to-know-about-long-term-disability\/","title":{"rendered":"The Official Guide to Long-Term Disability"},"content":{"rendered":"

Everything You Need To Know About Long-Term Disability<\/h2>\n

Are you looking for everything you need to know about long-term disability? We cover everything from benefits, eligible disabilities, filing a claim, and more.<\/p>\n

\n

Long-term disability is something that many people think of as they age. While there are those who would never openly take disability payments, sometimes circumstances are beyond our control.<\/p>\n

There are times in which an accident or illness affects a person\u2019s ability to work and actually make a living, putting their family in jeopardy. This is where long-term disability can be of use.<\/p>\n

However, many people are unaware of what long-term disability is, nor do they do they know how to go about getting it.<\/p>\n

What is Long-Term Disability?<\/h3>\n

\"A<\/p>\n

Long-term disability is meant to pay someone a portion of their normal income, in the event that they are injured\/have a disability that makes it unable for them to work in their current job.<\/p>\n

This is meant to help offset the financial hardship that a person or family would go through when losing a job for an unspecified period of time.<\/p>\n

For those who qualify for long-term disability, they will receive this income for a long period of time as the disability that they have makes it impossible for them to return to their career.<\/p>\n

What Are The Benefits Of Long-Term Disability?<\/h3>\n

\"A<\/p>\n

In most scenarios, the benefits of long-term disability are meant to replace 55% to 75% of an employee’s\u2019 gross earnings before this disability.<\/p>\n

Those who are looking into this type of disability also need to remember that there are two types of benefit maximums that apply to long-term disability.<\/p>\n

These are the non-evidence maximum which is going to be the amount of insurance that an individual can get without having to submit to a doctor exam that states their health.<\/p>\n

The other is the overall maximum which is the maximum amount that an insurance company is going to pay to a person who is disabled.<\/p>\n

What Types Of Disabilities Are Covered?<\/h3>\n

\"A<\/p>\n

Is any type of disability or injury covered under long-term disability? Yes! Most long-term disability coverage will kick in as long as you are not able to do any of the tasks that are required by your current job and you qualify for these benefits.<\/p>\n

There are certain illnesses or injuries that are not going to be covered with this disability, especially if they were due to the workplace, as these are workplace injuries to be covered by Worker\u2019s Compensation if this is available in your workplace.<\/p>\n

Do keep in mind that when trying to get long-term disability, the companies are not only interested in the job that you do, in seeing that you can no longer due to this job to the disability, but you may have to prove that you cannot do any job successfully.<\/p>\n

Are Long-Term Disability Benefits Taxable?<\/h3>\n

This truly depends on how you received the disability benefits. For those who have an employer that has this coverage on them, it means that the employer is covering the premiums for this coverage.<\/p>\n

In this scenario, the income that you receive is going to be taxable. However, if you have this type of coverage and paid for the premiums yourself, then this is not taxable.<\/p>\n

There are also considerations that must be made if you were to be paid in a lump-sum amount, which is rare to have this happen.<\/p>\n

How Can You File A Claim?<\/h3>\n

\"A<\/p>\n

For those who believe that they do qualify for long-term disability, filing a claim is not as easy as most people think. They often think that it requires filling out some paperwork and basically waiting. However, there is more that goes into this. For those who are considering filing a long-term disability claim, they are going to first need to know if their disability classifies as one of the disabilities that the company covers.<\/p>\n

In most cases, you will find that the policy will list what disabilities qualify for long-term coverage.<\/p>\n

You will then have to prove your disability with medical records. You can\u2019t simply say that you have a disability, as the company is going to want concrete evidence that you do have this disability and it is affecting your ability to work and make a living.<\/p>\n

There are several sources that the companies can look at to make sure that you are not exaggerating on this claim. For example, they do look at medical records, but they may also look at your social media to see what you are posting, or you may even have surveillance on you.<\/p>\n

Be sure to get people whom your trust to vouch about this disability, as this can go a long way. And even with doing all of this, there are still times in which a person finds that their claim is denied.<\/p>\n

Click here<\/a> for more, If you are looking for more information on how to make a long-term disability claim in Ontario<\/p>\n

What Happens When The Insurance Company Denies Your Claim?<\/h3>\n

\"A<\/p>\n

There are times in which the insurance company can deny a claim for this long-term disability.<\/p>\n

There are times in which these issues can be simple, such as turning in another form, other times the person has to rely on a lawyer in order to get the disability that is rightfully theirs.<\/p>\n

When a company denies your claim, they do have to give a reason as to why this has been denied.<\/p>\n

Some of the more common reasons include:<\/strong><\/p>\n