The lawyers at Aaron Waxman & Associates are experienced with Disability, Personal Injury and Employment claims.
If you have purchased a disability plan or work for a company that includes a disability plan in their benefits package then you have made a responsible and intelligent decision. These plans are your protection against unforeseen injury, accident and illness. However, many insured individuals are surprised by how difficult it can be to apply and collect benefits. Insurance companies are in business to make a profit. It can make business sense for them to delay or deny claims.
How long should I be waiting to receive my benefits? Usually, if you have a short term disability plan often you would be able to access benefits right away or after a short waiting period. If you only have long term disability benefits often there will be a “qualifying or elimination” period of several months. The specifics of the waiting period should be set out in the policy of insurance. During that time, consideration should be given to apply for sickness benefits from the government.
How much should I be getting? This varies from policy to policy. Many policies range from 50-85% of net or gross salary and some have a capped maximum depending on your income.
Do I have to apply for Canada Pension Plan CPP disability benefits too? Many policies require an insured to apply for CPP benefits and they often will get credit for amounts received from CPP. This provision should be set out in the policy.
Aaron Waxman and Associates have handled hundreds of long and short term disability claims successfully. We can assist you with the application or appeal process. If the insurer has treated you poorly or in bad faith, you may be entitled to punitive or aggravated damages.
* 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