{"id":12484,"date":"2022-07-27T12:24:07","date_gmt":"2022-07-27T12:24:07","guid":{"rendered":"https:\/\/diamondlaw.ca\/?p=12484"},"modified":"2022-07-27T13:02:40","modified_gmt":"2022-07-27T13:02:40","slug":"non-occupational-long-term-disability","status":"publish","type":"post","link":"https:\/\/diamondlaw.ca\/non-occupational-long-term-disability\/","title":{"rendered":"Non-Occupational Long-Term Disability"},"content":{"rendered":"

Non-occupational long-term disability (LTD) typically comes with chronic pain, emotional anguish, and hefty health expenses. These are bad enough. However, the worst thing about it is it keeps you from going back to work to cover those expenses. It’s a catch-22.<\/span><\/p>\n

Up to 12% of Canadians lose days of work every year due to disability<\/b><\/h2>\n

The<\/span> <\/span>impact of disability<\/span><\/a> on workers and organizations is significant. A person with a disability loses at least 40% of their earnings while away from work. Employers pay up to five times an employee’s annual salary to train their replacement.<\/span><\/p>\n

57% of long-term disability benefits applications get denied<\/b><\/h2>\n

Private insurance companies do not publish denial rates for long-term disability claims. However, some data is available for Canada Pension Plan (CPP) disability applications. Service Canada<\/span> <\/span>reports<\/span><\/a> a 43% acceptance rate in 2015 (latest data available). Denied applicants can appeal the decision, but about two-thirds (66%) give up after the first denial letter.<\/span><\/p>\n

Denial rates of private insurance companies are likely to be higher. Moreover, the claims and appeals process will probably be much more challenging.<\/span><\/p>\n

However, you shouldn\u2019t give up.<\/span> <\/span>Diamond & Diamond<\/span><\/a> can help you fight for your rights and get the benefits you deserve.<\/span><\/span>
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Testimonials on <\/b>Canuck Reviews<\/i><\/b><\/h2>\n

“I would personally recommend Diamond and Diamond Lawyers to anyone I know. Simon Diamond and his team handle cases with pride and prepare you in many different ways to make you feel comfortable and confident. From start to finish, I always felt like I was in good hands.\u201d — Brandon Wong<\/span><\/i><\/p>\n

\u201cI can’t thank enough to Nastassia and her team that worked every hour of the day to make sure I get better!! Every single request I had was attended immediately. Having someone available to help 24\/7 when you have been involved in a tragic accident that changed your whole life is priceless!! This firm has a very personal approach to their client, and I would highly recommend it to anyone who needs help!” — Asad Alam<\/span><\/i><\/p>\n

See more testimonials<\/span> <\/span>here<\/span><\/a>.<\/span><\/p>\n

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What Is Considered a Non-Occupational Long-Term Disability?<\/b><\/h2>\n

There is no such thing as a standard for what constitutes a non-occupational long-term disability. In most cases, you must prove you are totally disabled. However, private insurance companies typically make the threshold quite challenging to reach.<\/span><\/p>\n

Generally, LTD is any injury or condition of a psychological or physical nature that prevents you from working. An occupational disability is work-related.\u00a0<\/span><\/p>\n

Non-occupational long-term disability refers to injuries or medical conditions unrelated to your job, making you ineligible for workers\u2019 compensation. An example would be sustaining spine injuries in a car accident while on vacation.<\/span><\/p>\n

Other common disabilities claims involve:<\/span><\/p>\n

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  • Accidents<\/span><\/li>\n
  • Cancer<\/span><\/li>\n
  • Circulatory issues<\/span><\/li>\n
  • Mental Disorders<\/span><\/li>\n
  • Musculoskeletal conditions<\/span><\/li>\n
  • Nervous System disorders<\/span><\/li>\n<\/ul>\n

    Most people have a long-term disability plan as part of the group life insurance paid by employers in Ontario. It is also possible for you to pay the premiums for long-term disability insurance on your own. In either case, the policy must be in force before the onset of your disability to claim benefit payments.<\/span><\/p>\n

    Qualifying for payments typically requires meeting your policy\u2019s description of what constitutes “total disability.” In most cases, total disability means you cannot carry out essential duties of your occupation because of your injury, illness, or condition. However, some policies might use the phrase “any occupation,” meaning work other than what you did before the onset of your disability.<\/span><\/p>\n

    In other words, the fine print in your policy might make it hard for you to claim LTD benefits. However, an experienced LTD attorney can get through the legalese and ensure you get the most out of your policy.<\/span><\/p>\n

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