Our Disability Lawyers have recovered millions for claimants who have been wrongly been denied their disability benefits by Canada Life. Always Free Consultations and you Never Pay Upfront.
Has Canada Life denied your long-term disability benefits? If so, we understand the difficulties you might now be facing – such as overwhelming financial burdens, the lack of income too support yourself or your family, the confusion regarding why your adjuster denied your disability benefits contrary to your doctor’s advice, and the frustration you are most likely feeling with Canada Life because of what you see has become and adversarial relationship. We have unfortunately seen this time and time again with Canada Life disability claimants.
Long-term disability insurance is a type of coverage offered by disability insurance companies, such as Canada Life, which help protect individuals who become unable to work due to an injury or illness. It provides financial assistance for those who are no longer able to earn a living and need help covering their medical expenses, rent, car insurance payments, mortgage payments, and other bills.
Typically, long-term disability insurance is offered through employers as part of their benefits package. This means that the employer pays all or part of the premiums on behalf of the employee in exchange for the employees being covered by the policy if they become disabled due to injury or illness. Some employers also offer individual policies which can be purchased directly from an insurer or broker.
The amount of coverage provided by long-term disability insurance varies depending on the policy and what it covers. Generally speaking, most policies will cover up to 60% of your income should you become what is called “totally disabled” and unable to work for an extended period of time. In addition, some policies may provide additional benefits such as rehabilitation services or job retraining programs.
It’s important to note that not all disabilities are covered under long-term disability insurance plans; typically only physical injuries or illnesses qualify for this type of coverage. Additionally, there may be certain exclusions in place such as pre-existing conditions or mental health issues that would not be eligible for coverage under a traditional plan if the employee suffered from them within 12 months of being on long-term disability.
Long-term disability insurance can provide financial security for persons who suffer illness or injury, but unfortunately, Canada Life often wrongfully denies long-term disability deny benefits to those claimants who really deserve them.
Canada Life is one of the largest providers of long-term disability insurance in Canada. Unfortunately, many people who have paid premiums to Canada Life for long-term disability benefits, either through their employer’s benefit plans or privately, often find themselves wrongfully denied their benefits when they become seriously ill or injured and unable to work.
When a claim for long-term disability benefits is denied by Canada Life, it can be financially devastating for a disability claimant and his or her family – especially if there is a true total disability that prevents them from working. It can be It’s important to understand why your claim may have been denied by Canada Life so that you can take steps to appeal the decision if necessary.
Canada Life often terminated long-term disability benefits after two year because of what is called the change of definition – is a key factor that is important to understand.
Under two years – you are covered under what is known as the “own occupation” coverage – meaning that benefits are payable in cases where the policyholder cannot perform the substantial duties of their own job which they worked prior to becoming disabled. After two years, there is what is called a “change of definition” which means that the definition of disability changes from a claimant being unable to work at his or her own occupation – to being unable to work at any occupation for which he or she is reasonably suited by way of education, training or experience. It’s at this juncture that Canada Life often decides to override the claimant’s own doctors and take the position that they can do “some type of job”.
It is important to consider the change of definition after two years of disability as it has a direct impact on the adequacy of coverage and amount of benefits that will be paid out. Knowing this information in advance can help policyholders make sure they have sufficient protection should they become disabled over an extended period of time. Understanding how your definition of disability may change after two years is important for anyone considering purchasing a disability insurance policy.
One of the best ways to ensure that your rights are protected after being denied benefits from Canada Life is to hire an experienced disability lawyer who specializes in long-term disability claims. It is important to hire a long-term disability lawyer if you have suffered a disability that will prevent you from working for an extended period of time. A long-term disability lawyer can help you understand the procedures and regulations in place for filing a claim against Canada Life. Your disability lawyer will also help you establish a comprehensive plan to ensure that your rights are protected throughout your lawsuit, giving you the best chance at receiving and recovering the disability benefits that you are entitled to.
Moreover, they can provide guidance on how best to work with doctors, healthcare providers, and other service providers to ensure that your case is handled properly. With this expertise, a long-term disability lawyer can be invaluable in helping you navigate through even the most complicated cases. Our long-term disability lawyers have been representing claimants against Canada Life for over 35 years, and have recovered millions for disability claimants who have been wrongfully denied their long-term disability benefits.
There are several common reasons why a claim for long-term disability benefits may be denied by Canada Life including:
It is important to understand why Canada Life deny disability claims and how best to prepare a successful claim should you choose to pursue one after having your benefits denied. It is also essential to remember that Canada Life must comply with all legal requirements when denying disability claims, and if they fail to do so then you may have grounds to claim damages for bad faith. By understanding the reasons why Canada Life deny disability claims and being familiar with disability laws and regulations, disability claimants can ensure their rights are protected during the disability claim process. Additionally, working with an experienced disability lawyer who understands disability law will help protect your rights and increase your chances of success while filing disability claims. With the right disability lawyer individuals can get disability benefits and ensure disability insurance companies cannot deny their disability claims without reason.
It is important for disability claimants who have had their claims rejected by Canada Life to know that they do not need to accept this decision without question – they have every right under Canadian law to pursue further action through legal channels if desired. An experienced disability lawyer specializing in these types of cases can help them navigate the complex laws surrounding insurance policies while ensuring their rights are fully protected throughout proceedings. It is important to understand the reasons for Canada Life’s denial of benefits and seek legal advice from an experienced lawyer who can help you get your long-term disability benefits back on track and your monthly payments restarted – or in the alternative – lumped out.
Remember – being denied long-term disability by Canada Life is not the end. Fortunately, you have the right to hire a lawyer if your claim is denied. An experienced lawyer can help you navigate through the legal process and ensure that your rights are protected throughout it all. They will review your case and provide advice on how best to proceed with appealing any denials or delays in payment from Canada Life or other insurers.
There are several common reasons why long-term disability benefits may be denied initially by Canada Life: lack of medical evidence; failure to meet policy requirements; pre-existing conditions; incorrect information provided on application forms; insufficient proof of income loss due to injury/illness; and more. A knowledgeable disability lawyer can identify these issues quickly and advise you on what steps should be taken next in order for you receive benefits owed under your policy.
An experienced disability lawyer can also assist with negotiating settlements when necessary, as well as helping victims obtain additional compensation beyond what was originally offered by Canada Life . This could include aggravated or bad faith damages.
If you have been denied long-term disability benefits by Canada Life, it is important to understand your rights and the options available to you. An experienced lawyer can help you navigate the complex legal process of appealing a denial of benefits. With their knowledge and expertise, they can ensure that your case is presented in the best possible light and maximize your chances of receiving the compensation you deserve. Don’t hesitate to contact an experienced lawyer if Canada Life has denied your long-term disability benefits.
ven with all the research demonstrating the impact of depression on work and one’s ability to perform their job duties, insurance companies often continue to deny disability claims. If your long-term disability claim has been denied due to depression, you have rights, for example:
Since 2003, the long-term disability lawyers at Camporese Lalande have recovered tens of millions in wrongfully denied long-term disability benefits for disabled claimants who are going to the worst times of their lives. Stop struggling with a faceless insurance company – and call our long-term disability lawyers to get your free consultation today. We represent claimants suffering from depression all over Ontario and we can help you get your long-term disability benefits back on track. Our consultations are 100% free – and if you decide to work with our long-term disability lawyers, the fee is free. We do not charge our clients anything unless we win their case. We are happy to provide you the legal advice you need in order for you to make an informed decision about your own particular situation.
4 Quick Ways to get a hold of our Disability Lawyers today for your Free Consultation
Yes, you can be turned down for long term disability. Depending on the insurance provider and policy, there may be certain requirements that must be met in order to qualify for long term disability benefits. These requirements could include a minimum amount of time worked or an inability to perform any job due to injury or illness. Additionally, some policies have exclusions that prevent coverage from being provided in certain situations such as pre-existing conditions or self-inflicted injuries. If these criteria are not met, then it is possible that your claim will be denied.
The length of time that LTD benefits are available depends on the specific policy purchased by the insured person or employer. Normally Canada LIfe will pay benefits to age 65 – or in some cases, for life.
Normally Canada Life Policies Pay 60% of your income, or a pre-determined amount that was agreed to at the time of policy purchase. Many tradesmen for example, have irregular income streams and therefore a pre-determined policy amount must be agreed to by way or collective agreement or by private policy purchase.
Canada Life often cuts off long-term disability benefits at the two year mark – or at the change of definition. This is when a person’s claim goes from being unable to do their own job – to any occupation whatsoever.
If Canada Life cut off your benefits, you need to hire an experienced disability lawyer to get your benefits back on track. This is an absolute must. Do not hire a lawyer who “dabbles” in long-term disability, but rather a lawyer who speicalizes in lawsuits against disability insurance companies.
Although long-term disability benefits can be a lifeline for individuals struggling to cope with physical or mental impairments, it is common practice that applications are subject to review and approval. Unfortunately, in some cases, the long-term disability application may be denied. Reasons for an application being denied can vary widely depending on the facts and circumstances of the situation. Depending on the situation, it can be beneficial to work with a legal professional to obtain the best outcome possible by appealing a long-term disability denial.
It is possible to settle long-term disability benefits for a lump-sum payment. However, this is not always the recommended option because long-term disability benefits are based on long-term income long after you have settled and cannot be recovered if needed in the future. Speak to a knowledgeable lawyer who specializes in long-term disability claims in order to ensure that you understand the terms of your agreement and the impact it will have on your long-term disability benefits.
We always suggest hiring local. We also suggest not hiring off the television or billbaord only. Call your friends, your doctor’s office and talk to your work colleagues to see if they can recommend a disability lawyer they know or they can recommend.