Oshawa Disability Lawyer

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Importance of Having Disability Insurance

As much as we wish we could see into the future and plan accordingly, we cannot. We must plan for the unexpected. We must take steps to ensure that we and our loved ones will be provided for no matter what happens next in our lives. Accidents happen more than we like to acknowledge, and it is in our best interest to plan for the worst. One of the best ways to do this is to purchase disability insurance. Read below to find out what disability insurance is and why it is so important to purchase.

Disability insurance is just what it sounds like: insurance that covers loss of income in the unfortunate event of an accident or illness that leaves you disabled and unable to work. According to recent statistics, 1 out of 3 Canadians will be out of work due to a chronic illness or an accident for more than a 90 day period of time before they reach the age of 65. it is important to get informed and learn as much as you can about the different types of disability insurance.

If you already have disability insurance and your claim has been denied or your benefits cut off, contact our disability lawyer in Oshawa for a free claim assessment. You can also meet our disability lawyers at our Oshawa office at the address below:

Himelfarb Proszanski
21 Simcoe St S
Oshawa ON
L1H 4G1
(289) 634-5554

There are group disability insurance policies provided through your employer, or individual policies you can purchase that cover disability arising from accidents or illness.

Each disability insurance policy varies greatly. There are short term policies, long term policies, low-cost policies, high-cost policies, and more. It is important to choose the policy that is best for you and your particular needs, whether they be long term or short term. If you have a larger family to provide for, you may want to consider a disability insurance policy that takes that into consideration. Costs of insurance policies also vary depending on what exactly you are looking to purchase.

With the knowledge of what disability insurance is, you are likely asking yourself if you really need to purchase it. The fact of the matter is, if you are currently employed, it is wise to purchase disability insurance to ensure yourself peace of mind. Having income replacement of income insurance will put yourself and your family in a more secure financial position no matter what the future holds. If you are unable to work due to an injury or illness, your family will still be provided for on some level with disability insurance.

Investing in disability insurance is especially important to consider if you are the main income provider. Your goal should be to have yourself covered with adequate disability insurance in order to ensure an income for your family no matter what the future holds. It is wise to protect yourself financially with disability insurance to make sure that there will not be added fiscal stress if you find yourself disabled due to an accident. Take the time to explore all the options and make a decision today to move forward with investing in your own disability insurance policy. We are here to answer any questions you may have about finding the right disability insurance policy for your specific circumstance. Give our professionals a call today.

Here’s What Our Clients Say

  • Often the public perceives lawyers in a negative way; but I can honestly say that David Himelfarb has the utmost ethical standards of any lawyer that I have dealt with. He took the time to explain the particulars of my case, was always available to take my calls, always returned my calls and his team of Clerks and Assistants were equally as professional and courteous. Should I ever need legal representation, I can assure you that I will retain his firm.

    Adina Williams

  • My no fault benefit claim was handled by the firm and was settled quickly and for a very good amount. The firm is extremely professional and dedicated. I would highly recommend the firm to anyone who has been involved in a serious accident.

    Victoria A. - Toronto, ON

  • I would like to extend a sincere thank you for your assistance regarding the legal issues and my claim for disability benefits. Your knowledge and expertise led to a quick resolution and a successful outcome. From the onset, you were honest with me about my case and yet always kept me in the loop as to what was going on. I appreciated your “up front” approach from our first meeting.

    Mike Elliott

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