At Verhaeghe Law, we understand how challenging life can become when a long-term disability (LTD) disrupts your ability to work or support yourself. Our experienced long-term disability lawyers in Edmonton are here to help you navigate the complexities of insurance claims, appeals, disputes, and much more. Whether you are applying for benefits for the first time, or your LTD claim has been denied, you do not have to navigate the process alone.
To schedule a consultation with our LTD lawyers today and find out how we can help you, you can contact our team online or call our Edmonton office at (587) 410-2500. We will help you pursue the support and benefits you’re entitled to.
Understanding Long-Term Disability Benefits in Edmonton
Long-Term Disability (LTD) benefits are designed to provide financial support for individuals who are unable to work due to an illness or injury they have sustained. In Edmonton, many employees are covered through employer-sponsored insurance plans. Other individuals may have coverage through private insurance policies. Benefits normally provide partial income replacement that allows you to focus on your recovery without being burdened by financial stress.
In Alberta, LTD insurance policies typically pay between 60% to 80% of a claimant’s pre-disability gross income. However, the exact amount will vary depending on your specific insurance policy, your salary, and the severity and type of disability. It is important to be aware that some policies have a maximum monthly benefit cap. As a result, an LTD payment may not exceed this cap even if the percentage calculation of your previous income indicates a larger amount.
Common Conditions Eligible for Long-Term Disability
LTD benefits can apply to a wide range of physical and mental health conditions, including:
- Soft tissue injuries
- Anxiety and depression
- Cancer
- ALS
- Cardiac issues
- Chronic pain and fatigue
- Colitis
- Chron’s disease
- Fractures and broken bones
- Diabetes
- Fibromyalgia
- Chron’s disease
- Multiple Sclerosis
- Parkinson’s disease
- Neck, back, nerve and vision damage
- Psychiatric conditions and mental illnesses
- Arthritis
- Most types of pain disorders
- Paralysis
- And more
If you’re uncertain about whether your condition qualifies, you should consult our long-term disability lawyers in Edmonton.
What Happens When Your Long-Term Disability Claim is Denied?
Insurance companies may deny your LTD claim for several reasons. In some cases, claims are rejected when documentation is missing or incomplete. In others, insurers argue that the claimant’s condition doesn’t meet the criteria for a “disability” that they’ve outlined in their policy. Common reasons for LTD denials include:
- Insufficient medical documentation
- Discrepancies in the claimant’s medical records
- Failure to meet the insurance policy’s definition of ‘disabled’
- Issues related to pre-existing conditions
- And more
If your insurance company terminates or denies your LTD claim, you may be eligible for an appeal. Our Edmonton long-term disability lawyers can help you prove that you deserve to have your LTD benefits granted or reinstated.
Appealing denied LTD benefits comes with specific time limits, so the sooner you contact an LTD lawyer, the better. Our disability lawyers can help you build a case for appeal in a variety of ways. This might include reaching out to vocational experts and healthcare providers or negotiating with your insurance company on your behalf. We can gather evidence to challenge your insurance company’s decision while processing the paperwork that is required to appeal your denial.
How Can Our Edmonton Long-Term Disability Lawyers Help You?
Navigating the long-term disability claims process can be overwhelming, especially if you’re dealing with an ongoing illness or injury. Our long-term disability team at Verhaeghe Law has extensive experience handling claims, appeals, and any necessary litigation. We work hard to build strong cases for our clients so that they can focus on their recovery.
When you work with our Edmonton long-term disability lawyers, you can expect:
- Assistance with Your Initial LTD Claim: Filing an LTD claim often involves complicated paperwork, deadlines, and medical documentation. Our team will review your insurance policy with you, gather any documentation you need, and help you submit your claim in a timely manner.
- Long-Term Disability Appeals: If your LTD claim was denied, you may be entitled to challenge your insurance company’s decision. Although it is possible to appeal a denial, the process can be complicated. It requires a thorough understanding of insurance law. Our lawyers will help you get your appeal ready, ensuring that we present all necessary evidence and arguments on your behalf.
- Representation During LTD Disputes: When an appeal doesn’t resolve your issue, it may be necessary to pursue litigation. Our long-term disability lawyers in Edmonton are skilled negotiators and litigators who can represent you in court. We will work tirelessly to protect your rights and help you obtain the benefits you need.
Why Our Clients Choose Verhaeghe Law For Their Long-Term Disability Needs
At Verhaeghe Law, we believe in providing compassionate, personalized legal support. That’s why we have committed to helping clients for the past 70 years. Our goal is to make the process as seamless as possible so you can focus on your health. When you work with our Edmonton long-term disability lawyers, you will receive:
- Attention to detail: We will meticulously review your policy and medical records to bolster the strength of your claim.
- Clear communication: We’ll keep you informed at every step, explaining your legal options in a way you can relate to.
- Strong advocacy and support: We can negotiate with insurers and prepare for court thoroughly if you choose to pursue litigation.
- And more
Schedule a Consultation With Our Edmonton Long-Term Disability Lawyers Today
If you’re struggling with a long-term disability claim or appeal, Verhaeghe Law is here to help. Our experienced lawyers are dedicated to protecting your rights and ensuring you receive the benefits you’re entitled to.
Ready to take the next step? Contact Verhaeghe Law Office today and speak directly with a member of our legal team. You can fill out our online form or call our Edmonton office at (587) 410-2500. Our disability lawyers are on standby to discuss your case with you.