Federal Government
To supplement your other sources of income if you’re living with a disability, the Government of Canada offers several programs:
Firstly, if you’ve lost your job, or are unable to work through no fault of your own and need short-term financial assistance, you may be entitled to receive Employment Insurance (EI). You may be eligible to get up to 15 weeks of EI sickness benefits if you’re unable to work because of sickness, injury or quarantine.
Secondly, the Canadian Pension Plan (CPP) Disability Benefits program provides monthly payments for disability to people who have contributed to the plan during their working years. It’s considered a long-term disability benefits program. See: Canadian Pension Plan (CPP) Disability Benefits for more details and to determine eligibility.
In addition, if you receive CPP disability and have children under 25 years of age, you might also be eligible for the CPP children’s benefits for dependents under 25. Read more here.
For veterans, if you’re on disability from your service in the Canadian Armed Forces or Merchant Navy, you may be eligible for disability benefits for veterans. For more details, see this article about Disability Benefits for Veterans.
In Ontario…
In Ontario, the provincial government offers benefits and services through the WSIB (Workplace Safety & Insurance Board) as well as the ODSP (Ontario Disability Support Program).
If you are ever injured or become ill because of your job, WSIB provides care and support you’re entitled to under Ontario’s workplace safety and insurance system. That includes benefits, as well as other support, such as return to work assistance. You can read more about WSIB benefits and services here.
See also: Why You Need a WSIB Lawyer
The Ministry of Children, Community and Social Services administers the Ontario Disability Support Program (ODSP) to help with your living expenses if you have a disability and become eligible to the program. The program offers both financial assistance, as well as other benefits and help.
See also: What Illnesses Are Covered Under the Disability Act?
GOVERNMENT DISABILITY
Benefits Program
Several sources of disability benefits exist to help when you’ve been unable to work after an accident, an injury, or any event that prevents you from performing regular work-related tasks for a significant period of time. We know that understanding what programs are available, how they relate to each other and if they apply to you can be confusing. We want to clarify the matter further to relieve your stress. From government disability benefit programs to private disability insurance plans, here is an overview, with links to more detailed information for each program.
Federal Disability Benefits
The Government of Canada offers several programs and levels of support to people unable to work.
Provincial Disability Programs
Private Disability Insurance
Why Choose HIMPRO?
Himelfarb Proszanski’s disability team has a strong reputation of successfully handling disability claims in Ontario. Some major local law firms refer us their client’s disability cases. Our track record of successfully handling 97.5% of denied disability claims proves that insurance companies take us seriously.
We provide a combined century of trial experience which has led to the successful settlement of over 10,000 cases with combined settlement value in excess of 3/4 billion dollars. And finally, we’re the only firm to offer you. And finally, we’re the only firm to offer you the HIMPRO Advantage™.
Based on almost 30 years of legal expertise and handling over 5,000 disability cases, the Disability team at HIMPRO knows how to handle the different strategies the Insurance companies use to deny or delay the payment of your LTD Disability benefits for years. Our in-depth knowledge of the Disability Claim legal process in Ontario has led to an impressive track record: a 97.5% success rate handling disability claims.
Insurance companies know our reputation and don’t want to go up against us in court. We’ve really earned the respect of the insurance industry. Our team, led by David Himelfarb, has over 100 combined years of hard fought insurance and litigation experience, obtaining significant judgments for our client’s disability cases. We have been recognized by Best Lawyers and have the highest rating, AV Preeminent, from Martindale-Hubbell. We have sued and challenged everybody there is, at every major insurance company, over the last 30 years. That has certainly earned us the respect of their general counsel, their national trial counsel, and their defense counsel.
Trying to defend your rights to receive disability benefits and engaging in a legal case can be intimidating and stressful, on top of the disability issue itself. Our team fully understands this and will support you from the start. From our first contact, our immediate goal is to relieve the stress you and your family are experiencing due to a denial by the insurance company. We also understand you want us to be responsive to your enquiries and be kept up to date along the process. For us, you are NOT a number, and we will treat you with full respect for your person and situation, while providing the best legal representation possible.
If English is not your first language, we provide professional translators to assist you in this process, which will limit the stress due to language barriers.
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