The lawyers at Aaron Waxman & Associates are experienced with Disability, Personal Injury and Employment claims.
We wish to use this blog to share helpful information with our clients.
One important definition that clients or anyone going through an LTD claim.
In order to qualify for LTD Benefits, your policy may state that you have to meet the definition of “totally disabled”.
Your policy should contain a Definitions Section and you should check this section to find out what the policy wording entails.
Generally speaking, a “total” or “complete” disability means you are reasonably unable to carry out the normal functions of your usual job. It does not mean that you are completely physically unable to do any part of your job, but that your injury or illness is such that common sense requires you to stop working so you can focus on getting better. As a result of your injuries or illness, you are unable to perform the essential duties of your own occupation.
This is the definition your insurer will go by for the first 24 months of your disability. During this time period, as part of your LTD contract you have to continue to seek treatment by a physician.
In general, while you are claiming for LTD benefits, you should always continue treatment with a physician.
When the two year period is over, you are still considered to meet the definition of disabled if the insurer determines you are unable to perform any occupation for which you are reasonable suited or could become suited for by education, training or experience.
If you need assistance with your long-term disability claim, please contact our law firm for a free consultation.
* 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