Many employers offer long-term disability (LTD) benefits as part of their group benefits packages. These benefits provide income replacement for employees who are unable to work due to illness or injury, helping you maintain financial stability during challenging times. At Randy Ai Law Office, we help employees navigate the complexities of LTD claims and ensure they receive the benefits they are entitled to.

‍

What Are Long-Term Disability Benefits?

Long-term disability benefits are designed to replace a portion of your income if you become unable to work for an extended period due to a serious illness or injury. Typically, these benefits cover 50% to 85% of your monthly income, depending on your specific insurance policy. In some cases, benefits may be taxable, while in others they may not be. The goal of LTD benefits is to help you cover essential expenses while you focus on recovery.

‍

How Long-Term Disability Claims Work

While every LTD policy is different, all policies include several common requirements. Generally, to qualify for LTD benefits, you must:

• Complete a qualifying period (waiting period): This period, also known as an elimination period, is the amount of time you must be unable to work before you can begin receiving benefits.
• Submit a complete application: You’ll need to provide a full application that includes personal information, medical documentation, and any other required details to support your claim.
• Provide updated medical information: Ongoing medical documentation is crucial to demonstrate that your disability persists and prevents you from working.
• Participate in treatment/rehabilitation: Insurance companies typically require that you engage in treatment or rehabilitation efforts to help you recover.
• Be aware of the “change of definition”: As your condition progresses, the insurer’s definition of disability may shift from “own occupation” (unable to perform your specific job) to “any occupation” (unable to perform any job). This change can affect your eligibility for benefits.

‍

‍What Type of Benefits Can I Expect?

The amount of LTD benefits you receive will depend on the terms of your specific policy. In most cases, benefits will replace 50% to 85% of your regular income. Some policies may include additional benefits for things like rehabilitation or vocational retraining. The exact amount and structure of your benefit payments will be detailed in your insurance policy.

It’s important to note that the taxability of your LTD benefits will depend on the terms outlined in your policy—some benefits are taxable, while others may not be.

‍

‍Understanding Your LTD Policy and Letters from Your Insurer

Long-term disability policies can be complex, with many terms and conditions that are difficult to understand. Insurance companies may send letters containing ambiguous or unclear language regarding your claim. This can be frustrating, especially when you're already dealing with a disability.

At Randy Ai Law Office, we have the expertise to help you fully understand your LTD policy, interpret any communications from your insurer, and ensure that you know your rights. Our team of experienced lawyers will guide you through each step of the claims process.

‍

‍What If My LTD Application Was Denied?

If your LTD application was denied, or if your benefits were terminated, don’t give up. Many valid claims are initially denied by insurance companies, and it's important to understand that you have legal options.

Insurance companies may deny LTD claims for various reasons, such as:

• Lack of medical evidence
• Failure to meet the qualifying period
• Disputes over the definition of disability
• Alleged pre-existing conditions

If your benefits have been denied, delayed, or cut off, it’s critical to seek legal advice immediately. At Randy Ai Law Office, we are well-versed in handling LTD denials, helping clients understand their rights, and pursuing legal action to secure the benefits they deserve.

‍

‍How We Can Help You with LTD Denials

If your LTD claim has been denied or your benefits terminated, our legal team will assist you in:

• Appealing denied claims by submitting a strong case supported by medical and legal evidence.
• Negotiating with insurance companies to reinstate your benefits.
• Taking legal action against insurers who deny benefits in bad faith, ensuring that you receive full compensation.

We will work tirelessly to protect your rights and ensure you get the financial support you need.

‍

‍Why Choose Randy Ai Law Office?

• Expert Legal Representation: We are one of Canada’s top law firms specializing in disability law and LTD claims.
• Proven Success in LTD Claims: Our team has successfully helped clients recover their LTD benefits and achieve fair settlements.
• No Upfront Fees: We operate on a contingency fee basis, meaning you don’t pay unless we win your case.
• Comprehensive Legal Support: We provide personalized legal strategies tailored to your unique situation.

‍

‍Get the Disability Benefits You Deserve

Don’t let an insurance company’s denial keep you from the support you need. If your LTD benefits have been denied or terminated, Randy Ai Law Office is here to help you fight for the benefits you are entitled to.

‍Contact us today for a free consultation, and let us help you take action to secure the disability benefits you deserve.