The lawyers at Aaron Waxman & Associates are experienced with Disability, Personal Injury and Employment claims.
If you work for an employer that provides group benefits, you may have long-term disability (LTD) benefits as part of your benefits package. Some employers also have an additional LTD policy to cover workplace illnesses/injuries, called an occupational long-term disability policy.
There are some similarities and differences between occupational policies and group policies. This blog will cover the following:
What is an occupational long-term disability policy?
In Ontario, employers in certain industries are required to have coverage under a workers’ compensation plan (e.g. WSIB). There are some companies (e.g. banks) that have an occupational long-term policy in place to cover workplace illnesses and injuries that may have ordinarily been covered under a provincial workers’ compensation benefits.
An occupational policy is used for mental or physical illnesses or injuries that are specifically related to the workplace.
What do I need to know when making a claim?
If you have coverage under both a group LTD policy and occupational LTD policy, it is important that you obtain a copy of both policies, so you can understand what type of benefit you are entitled to. Here are some things to take into consideration:
How can a lawyer help me?
If your LTD claim is denied, either at the outset, or at any point in time, a lawyer can help you to fight the insurance company’s decision to deny/terminate benefits.
It is beneficial to seek the advice of a lawyer as a lawyer can:
If you or someone you know have been denied long-term disability benefits, do not hesitate to seek legal advice. The lawyers at Aaron Waxman and Associates offer a free initial consultation with a licensed lawyer that can be arranged at a date and time that is convenient for you.
* This blog is for informational purposes only and is not meant to substitute legal advice. Please read our disclaimer for further information.
* All of our lawyers are licensed by The Law Society of Upper Canada
* Office in Toronto and able to represent people in the province of Ontario