The lawyers at Aaron Waxman & Associates are experienced with Disability, Personal Injury and Employment claims.
There are many aspects of long-term disability (LTD) claims. This will be the first in our long-term disability series which will examine LTD claims from beginning to end. This blog will discuss the various types of disability claims we have encountered.
There are many reasons why you may need to make a claim for short-term or long-term disability benefits. You may need time off work as a result of an accident (i.e. car accident or slip and fall), an injury or an illness.
Types of disability claims that can lead to an extended absence from work can fall under the following categories:
Chronic pain can affect your ability to perform your job duties as it can cause pain distraction and there is a known connection between chronic pain and psychological issues. Chronic pain claims include the following types of symptoms/syndromes:
Like chronic pain, orthopedic injuries/issues can cause pain distraction, and also due to the need for pain medication, cause difficulties completing the essential duties of a person’s occupation.
Brain injuries can range from mild to severe. Mild brain injuries include concussions, which can have long-lasting symptoms if a person goes on to develop post-concussion syndrome.
A brain injury can cause symptoms that might hinder person’s daily functioning. Symptoms of a brain injury include impairment of cognitive abilities and impairment of physical functioning.
Symptoms of psychological illnesses or exacerbation of symptoms can interfere with a person’s functional abilities. Some conditions that people make disability claims for include:
There are various types of chronic illnesses or chronic conditions which can flare up from time to time and interfere with a person’s ability to complete their activities of daily living, including performing their job duties. These include:
Most insurance companies will pay benefits during the course of treatment/recovery from surgery, but there are times when an insurance company denies benefits as in their opinion, you are past the standard recovery guidelines. However, you may have developed issues secondary to treatment and not be able to return to work and require more time off work.
If your claim for long-term disability benefits has been denied for any reason, you should contact a lawyer to find out what your rights and obligations are as an insured person. The lawyers at Aaron Waxman and Associates have helped clients who experience a variety of conditions/injuries.
Our firm offers 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