844-434-7224<\/a>VOTED BEST LAWYERS IN CANADA 2018 - 2022<\/strong><\/p>\n \n <\/div>\n\n\n\nHamilton Disability Lawyer FAQ<\/h4>\n\n\n\n
<\/p><\/h4>\n\n\n\n
I’ve been cut-off long-term disability, what do I do?<\/strong> We understand that this is a confusing time and you may be upset. However, if you’ve been cut off or denied your long-term disability benefits, its essential to get legal advice from a disability lawyer now. Remember that you may still be entitled to your monthly benefits even though they have been denied. <\/p> <\/div>
Do your Hamilton Long-Term Disability Lawyers only serve Hamilton?<\/strong> We do not! Our head office is based in Hamilton and we serve disability claimants all over Ontario and throughout Canada. We serve nationwide. <\/p> <\/div>
Are consultations with a Hamilton disability lawyer free?<\/strong> Speaking with our Ontario disability lawyers is ALWAYS free. We never ask for payment upfront. <\/p> <\/div>
Why do disability insurance companies often cut-off long-term disability benefits after 2 years?<\/strong> Generally\u00a0most disability policies have a change of definition. During the first two years of being on disability, a claimant only needs to be substantially disabled from performing the regular duties of his or her own job, but this definition is often changed after two years. After two years,\u00a0a claimant must be totally disabled from any employment for which he or she has training and background in order to qualify for disability benefits. Essentially, definition changes make it more difficult for claimants to obtain disability benefits and, that’s when most disability carriers cut claimants off the plan.<\/p> <\/div>
Can I have my free consultation with a Hamilotn disability lawyer virtually? <\/strong> Absolutely. We understand that you might be uncomfortable, especially if you suffer from anxiety or another debilitating mental illness. We represent disability claimants all over Ontario, and are more than happy to meet you via Zoom, Google Meet or Facetime. Also, our office technology is set up to allow for remote file and digital signature access, so our lawyers are fully operational remotely. <\/p> <\/div>
Can I lump or settle out my LTD benefits?<\/strong> This may depend on the particulars of your case. When a disability lawsuit is filed, you are asking that a Judge declare you “totally disabled” according to the definition of your disability policy – and that is the focus. There are times, however, when we can work with your disability carrier to settle your case.<\/p> <\/div>
Are my disability benefits taxable? <\/strong> That depends. If you paid the premium, then no, they are not.<\/p> <\/div>
Why does long-term disability deduct CPP Disability benefits?<\/strong> A majority of LTD disability policies require a claimant to apply for CPP disability. Most LTD carriers will request that a claimant applies for CPP disability after two years of disability payments. Your LTD insurance company then gets to set off or withdraw your CPP monthly payment from the total sum of long-term disability payable to you. <\/p> <\/div>
What does my disability insurance company get to deduct from my monthly payment?<\/strong> It all depends on your disability policy. However, many policies do state that the following may be deductible or offset:
1. Severance packages
2. Ontario Works benefits
3. Ontario Disability Support Plan (ODSP)
4. Workplace Safety Insurance Board (WSIB) benefits
5. Employment Insurance (EI)
6. Financial Gifts<\/p> <\/div>
What is the change of definition that my adjuster keeps talking about?<\/strong> Generally, disability policies contain a condition that says that a person is eligible to receive benefits if he is not able from working at his own occupation for the first two years. This is known as the own occupation (“own occ”) period. After the first two years, the standard changes to a more difficult definition, requiring the individual to be disabled from performing any occupation for which he is reasonably suited (wording like \u201cqualified, or could become qualified for, by reason of education, training or experience\u201d). This is known the any occupation (“any occ”) period. Since the test for the own occu period is less onerous, and the insurance company’s potential exposure is lower, insurance companies will often pay benefits during the own occ period, but resist paying benefits into the any occ period. In the latter period the potential payout, especially for a young person, could be significant.\u00a0 Before the \u201cown occ\u201d period expires, the insurer may send the insured to one or more independent medical examinations (IMEs) in order to obtain medical evidence that would support terminating the claim at the end of the own occ period or conduct surveillance.<\/p> <\/div>
Are you local in Hamilton?<\/strong> Yes our Disability Law Firm is located at the corner of King and James in Hamilton. From here we serve disability claimants in Hamilton and throughout Ontario. <\/p> <\/div>
How long have you been practicing Disability Law?<\/strong> Matt Lalande has been representing disability claimants since 2003. <\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"
Hamilton Long-Term Disability Lawyers Call 1-844-434-7224 or Send us a Message Today. If have been Wrongfully Denied or Cut-Off your Long-Term Disability Benefits our Hamilton Disability Lawyers can help. Our Hamilton Disability Lawyers have been helping the disabled in Hamilton and surrounding areas since 1984. Matt Lalande and Karen Camporese have recovered millions for Hamilton […]<\/p>\n","protected":false},"author":2,"featured_media":2881,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-page-conditions.php","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"acf":[],"aioseo_notices":[],"yoast_head":"\n
Hamilton Long-Term Disability Lawyers | Lalande Disability Lawyers<\/title>\n\n\n\n\n\n\n\n\n\n\n\n\t\n\t\n\t\n\n\n\t\n","yoast_head_json":{"title":"Hamilton Long-Term Disability Lawyers | Lalande Disability Lawyers","description":"If you've been Wrongfully Denied your Long-Term Disability call our Hamilton Long-Term Disability Lawyers today. *ALWAYS FREE CONSULTATIONS*","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/","og_locale":"en_US","og_type":"article","og_title":"Hamilton Long-Term Disability Lawyers | Lalande Disability Lawyers","og_description":"If you've been Wrongfully Denied your Long-Term Disability call our Hamilton Long-Term Disability Lawyers today. *ALWAYS FREE 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disability, what do I do?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"We understand that this is a confusing time and you may be upset. However, if you've been cut off or denied your long-term disability benefits, its essential to get legal advice from a disability lawyer now. Remember that you may still be entitled to your monthly benefits even though they have been denied. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1682853180196","position":2,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1682853180196","name":"Do your Hamilton Long-Term Disability Lawyers only serve Hamilton?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"We do not! Our head office is based in Hamilton and we serve disability claimants all over Ontario and throughout Canada. We serve nationwide. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676301705819","position":3,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676301705819","name":"Are consultations with a Hamilton disability lawyer free?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Speaking with our Ontario disability lawyers is ALWAYS free. We never ask for payment upfront. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676301762761","position":4,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676301762761","name":"Why do disability insurance companies often cut-off long-term disability benefits after 2 years?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Generally\u00a0most disability policies have a change of definition. During the first two years of being on disability, a claimant only needs to be substantially disabled from performing the regular duties of his or her own job, but this definition is often changed after two years. After two years,\u00a0a claimant must be totally disabled from any employment for which he or she has training and background in order to qualify for disability benefits. Essentially, definition changes make it more difficult for claimants to obtain disability benefits and, that's when most disability carriers cut claimants off the plan.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676301809831","position":5,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676301809831","name":"Can I have my free consultation with a Hamilotn disability lawyer virtually?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Absolutely. We understand that you might be uncomfortable, especially if you suffer from anxiety or another debilitating mental illness. We represent disability claimants all over Ontario, and are more than happy to meet you via Zoom, Google Meet or Facetime. Also, our office technology is set up to allow for remote file and digital signature access, so our lawyers are fully operational remotely. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311450627","position":6,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311450627","name":"Can I lump or settle out my LTD benefits?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"This may depend on the particulars of your case. When a disability lawsuit is filed, you are asking that a Judge declare you \"totally disabled\" according to the definition of your disability policy - and that is the focus. There are times, however, when we can work with your disability carrier to settle your case.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311629092","position":7,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311629092","name":"Are my disability benefits taxable?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"That depends. If you paid the premium, then no, they are not.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311658447","position":8,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311658447","name":"Why does long-term disability deduct CPP Disability benefits?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A majority of LTD disability policies require a claimant to apply for CPP disability. Most LTD carriers will request that a claimant applies for CPP disability after two years of disability payments. Your LTD insurance company then gets to set off or withdraw your CPP monthly payment from the total sum of long-term disability payable to you. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311688163","position":9,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311688163","name":"What does my disability insurance company get to deduct from my monthly payment?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It all depends on your disability policy. However, many policies do state that the following may be deductible or offset:
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2. Ontario Works benefits
3. Ontario Disability Support Plan (ODSP)
4. Workplace Safety Insurance Board (WSIB) benefits
5. Employment Insurance (EI)
6. Financial Gifts","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311771934","position":10,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1676311771934","name":"What is the change of definition that my adjuster keeps talking about?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Generally, disability policies contain a condition that says that a person is eligible to receive benefits if he is not able from working at his own occupation for the first two years. This is known as the own occupation (\"own occ\") period. After the first two years, the standard changes to a more difficult definition, requiring the individual to be disabled from performing any occupation for which he is reasonably suited (wording like \u201cqualified, or could become qualified for, by reason of education, training or experience\u201d). This is known the any occupation (\"any occ\") period. Since the test for the own occu period is less onerous, and the insurance company's potential exposure is lower, insurance companies will often pay benefits during the own occ period, but resist paying benefits into the any occ period. In the latter period the potential payout, especially for a young person, could be significant.\u00a0 Before the \u201cown occ\u201d period expires, the insurer may send the insured to one or more independent medical examinations (IMEs) in order to obtain medical evidence that would support terminating the claim at the end of the own occ period or conduct surveillance.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1693230730236","position":11,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1693230730236","name":"Are you local in Hamilton?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes our Disability Law Firm is located at the corner of King and James in Hamilton. From here we serve disability claimants in Hamilton and throughout Ontario. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1693230786106","position":12,"url":"https:\/\/www.disability.ca\/hamilton-long-term-disability-lawyer\/#faq-question-1693230786106","name":"How long have you been practicing Disability Law?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Matt Lalande has been representing disability claimants since 2003. ","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.disability.ca\/wp-json\/wp\/v2\/pages\/2781"}],"collection":[{"href":"https:\/\/www.disability.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.disability.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.disability.ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.disability.ca\/wp-json\/wp\/v2\/comments?post=2781"}],"version-history":[{"count":0,"href":"https:\/\/www.disability.ca\/wp-json\/wp\/v2\/pages\/2781\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.disability.ca\/wp-json\/wp\/v2\/media\/2881"}],"wp:attachment":[{"href":"https:\/\/www.disability.ca\/wp-json\/wp\/v2\/media?parent=2781"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}