Common Misconceptions About Long-Term Disability Benefits in Ontario

Navigating the complex world of long-term disability benefits (LTD) can be overwhelming, as it is an area of insurance law that contains a lot of misconceptions. From defining what constitutes a disability to understanding the process of qualifying for benefits, several myths need to be clarified; that’s what we aim to do.

STD and LTD benefits are mostly offered through an employer’s group insurance plan. They are, in essence, a financial safety net designed to assist individuals unable to engage in gainful employment due to a disability. However, one common area of confusion revolves around what is considered a disability for these benefits.

Contrary to what many believe, qualifying for disability benefits isn't exclusive to those with physical conditions. There are a variety of conditions that may qualify for disability benefits, which include psychological or mental health disorders, emotional disorders, neurological conditions and other degenerative disorders. As long as these conditions substantially hinder your ability to perform the essential duties of your employment, you may be eligible for STD or LTD benefits.

Another common myth is the belief that you can't work if you are receiving disability benefits; this isn’t necessarily the case. If you and your doctor believe you can return to work, you should contact the insurance company to advise them that you are trying to return to work. Moreover, you should inform the disability insurer of any and all income you receive during your return to work. It is highly recommended that you consult with a lawyer before returning to work to understand the fine print of your disability insurance policy.

It's a common misconception that having a disability automatically guarantees approval of disability benefits. Although being unable to work due to illness or injury is a prerequisite to claiming STD or LTD benefits, it does not guarantee that the insurance company will agree that you cannot work. The process of qualifying for benefits involves a thorough consideration of various  factors. These factors may include the overall severity of your disability, its impact on your daily life, and, most importantly, how it affects your ability to perform the essential duties of your occupation. It’s crucial to have proper documentation and evidence to support your claims, such as medical records and physician statements, to establish the validity and extent of your disability.

Accessing disability benefits is often not as straightforward as it might seem. Due to the complex nature of the application process, many claimants face significant challenges, leading to unnecessary delays or even outright denials. Coupled with the stress of dealing with a disability, these challenges can make the process feel incredibly daunting.

This is where the expertise of a lawyer can prove invaluable. The lawyers at Aaron Waxman and Associates, P.C. can provide the necessary guidance and assistance. We can advise you on the intricacies of the claim process, provide assistance in gathering crucial evidence, guide you through potential appeal processes, and help ensure your rights are adequately protected.

Do you need professional guidance to understand your rights better and seamlessly navigate the benefits process? Our team is ready to assist you on this journey. By debunking common misconceptions and providing clear, accurate information, we strive to clarify your disability benefits claims and ensure you receive the support you need.