Toronto Long-Term Disability Insurance Lawyers Office

    The HIMPRO Commitment. We will work to:

• Lessen, and hopefully remove, stress and angst from you and your family
• Review & Analyze your case quickly so we can get to work finding relief fast
• Take over your communication with the insurance company
• Begin the steps to obtain the appropriate medical records to support your claim
• Undertake any legal proceedings required to get your case settled and your benefits awarded or restored.
• Provide service & solutions worthy of our HIMPRO Advantage™ exclusive guarantees
• Protect your right to employment with your current employer to address/prevent wrongful dismissal

Our team regularly helps our clients with the following:

• We can help you successfully apply for Canada Pension Plan (CPP) disability benefits
• We can protect you from losing your home or eviction by advancing motions within the court system to secure payments of benefits during the application or appeal process, instead of waiting until everything is done & decided.
• We will help you successfully navigate the new appeals process at the Social Benefits Tribunal

How is Long Term Disability Calculated?
Employees with long-term disability coverage through their employer or union belong to a group coverage policy with an insurance company. The rate of long-term disability is calculated according to the terms of this policy.

Can Other Benefits Be Deducted From My Long-Term Disability Insurance Payment?
Your long term disability (LTD) insurance benefits can be reduced by other benefits that are being paid or are payable to you. It is important to be aware of what these potential deductions are. 

The Long-Term Disability Benefits Claim Process
The long-term disability benefits claim process begins with an application package, usually of two to three forms, depending on who owns the policy.

Top 5 Reasons Your Long-Term Disability Can Be Cancelled
There are a number of common reasons your long-term disability could get cancelled. Understanding what they are can help you quickly fix the problem and get your benefits back on track.

How Long Can Long-Term Disability Last?
Long-term disability benefits are designed to provide financial peace of mind for a disabled individual who needs to focus on managing his or her condition and hopefully attaining some amount of recovery.

Can I Get Back Pay in a Long-Term Disability Case?
Every long-term disability policy through an employer has an elimination period or waiting period. During this time, you must be continuously unable to work and provide medical information from your doctors supporting the claim for long term disability.

Can You Collect Long-Term Disability and WSIB Benefits?
Collecting long term disability and WSIB can be a difficult task. The intersection of standard LTD and WSIB benefits can be quite confusing for an injured worker, and he or she may not know which benefits to request, or how receiving one can impact the right to collect the other.

Can Disability Benefits Be Backdated?
If your disability benefits are initially denied there are certain situations, where these benefits can be pursued and recovered retroactively.

How Are Functional Limitations Assessed for My Disability Claim?
Having a functional limitation in Ontario means having a considerable impairment in your ability to function in the condition, manner, or duration of life and work. To succeed in claiming disability you must establish that an injury or illness prevents you from performing essential duties of your pre-disability job.

Can I Claim Long-Term Disability Insurance After I Am Forced to Leave My Job?
Even after your employment ends you can still claim long-term disability benefits under your former employer’s disability policy as long as an illness or injury that caused your disability occurred while you were still employed.

What Illnesses Are Covered Under the Disability Act?

The Ontario government pays disability benefits to entitled persons who can prove they suffer from a substantial physical or mental impairment that is continuous or recurrent for at least a year or more. There are a number of conditions that qualify for these benefits.

Can Your Insurance Company Stop Your Disability Benefits at Any Time?
When disability payments start arriving, recipients come to rely on this money to make ends meet, but what happens when disability benefits stop? Does a recipient have any recourse?

Proving Your Long-Term Disability Claim
If your claim for long-term disability benefits has been denied, you have the right to appeal the decision. The appeal process can become quite complicated, and you will need the assistance of a lawyer for the best possible outcome for your appeal.

Diabetes and Long-Term Disability Claims: What You Need to Know
Diabetes and long-term disability are not often terms closely associated with one another. However, diabetes and long-term disability claims are far more common than you think.

Long-Term Disability Conditions That are Difficult to Diagnose
Many long-term disability conditions are difficult to diagnose and lead to rejected claims which lead people to seek legal help from an experienced lawyer in order to reach a successful outcome when filing claims.

Can You Claim Disability for “Burnout” or Intense Workplace Stress?
Burnout, a state of emotional, physical, and mental exhaustion due to prolonged, excessive stress, is considered a form of depression, something that Canada recognizes as a disability and, therefore, you can submit a short-term disability stress leave claim.

Arthritis and Long-Term Disability Claims: What You Need to Know
Even if you have been diagnosed with arthritis, you do not automatically qualify for long-term disability.  There are various steps that must be taken for you to present a solid claim for long-term disability benefits.

Crohn’s Disease and Long-Term Disability: How to Secure Disability Benefits in Ontario?
Insurance companies often like to overlook this as a chronic condition, however Crohn’s disease is eligible for disability benefits under certain conditions.

Long Term Disability: Can a Pre-Existing Condition Cause a Claim to Be Denied?
If you suffer from a disability that falls into a pre-existing condition limitation, it is likely that your insurance company will deny your claim for LTD benefits.

Cancer and Long Term Disability: What You Need to Know
Most patients with a clear diagnosis of cancer have a valid claim for Long Term Disability Benefits (LTD). However, if you have been diagnosed with cancer and are applying for disability your claim will be highly scrutinized.

Disability Claim for Mental Illness: A Case Study
Mental illness can be debilitating, sensitive to talk about, and hard to diagnose. What’s more, when submitting a disability claim for mental illness would you even know what that entails?

Can I Claim Disability for Emotional Distress After a Car Accident in Ontario?
A car accident is an incredibly traumatic event in a person’s life and as such, it is possible to file an emotional distress disability claim as part of non-pecuniary damages. But how do you do that?

Chronic Fatigue Syndrome and Disability: Can I Claim Insurance Benefits?
Chronic fatigue syndrome can be difficult to assess and diagnose and as such, it can be hard for a person attempting to seek long-term disability benefits to get their claim processed accurately.

Chronic Pain and Fibromyalgia: Can I Claim Long Term Disability Benefits?
You are able to make a long-term disability claim for chronic pain and fibromyalgia so long as chronic pain from fibromyalgia is not an excluded medical condition under your long term disability benefits policy.

Polymedication and Long Term Disability: What You Need to Know
If a person is prescribed 3 or more medications to manage a chronic condition this is called polymedication. Being on a number of different drugs can actually cause secondary disabilities in the long run. 

Does Depression Qualify for Long Term Disability?
Depression is covered under long-term disability so long as depression is not an excluded medical condition under your long-term disability benefits policy. Most long-term disability policies in Ontario will cover disability arising from depression.

Can You Receive Disability for Mental Illness?
According to the Mental Health Commission of Canada, one out of every five Canadians will experience mental illness during some time in their life. Disability claims for mental illness are widely misunderstood by employers and frequently denied on bogus grounds.

Can I Receive Long-Term Disability for Anxiety?
Canada officially acknowledges that anxiety is a disability and that the effects of this condition can have long-term effects on your health and normal functioning. It can be difficult to claim benefits for anxiety however.

Disability for Catastrophic Brain Injuries
It is difficult to get disability no matter the situation but when you add in the pain, stress and overall attention required to live with catastrophic brain injuries it can seem almost impossible without legal representation to fight your battles for you.

Mena Brar and David provided excellent guidance and helped us reach a settlement that we are very happy with. Excellent team and very knowledgeable staff. They were friendly and took the time to address our concerns so that we felt comfortable with every step of the process. I highly recommend them!

Jaskarn K. – client ★★★★★

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