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Now, for a lot of people the concept of long-term disability is quite familiar. This is usually caused by a severe accident. This led to dramatic and traumatic physical or psychological trauma which crippled you in a way which deprives you of a basic function, regardless of whether it’s mental or physical. For instance, the loss of the ability to think straight is a long-term disability, even though it has no direct physical manifestations.
With this in mind, there are, however, quite a lot of questions which need an answer to, especially when it comes to the insurance part. This is the main reason for which some of the most common and important questions are answered below.
What is long-term disability insurance?
This is the type of insurance which is specifically designated to cover long-term injuries throughout the entire or a significant period of the disability. The insurance can go towards bills, medical treatment, rehabilitation and other types of expenses. The main idea is that you are incapable of working as effectively and this insurance is going to offset the financial burden that you are most likely suffering from as a result of the injury.
How long will the claiming process take?
Fortunately, the claims for disabilities tend to get resolved a lot quicker than the accident claims – they would usually take you between a year and two on a rough average. Of course, this is a long period for someone to wait for but the courts in Ontario are swamped cases as it is.
The biggest challenge in getting the claim resolved is providing the actual evidence that you can’t in fact work. The insurance company’s mission is to prove that you can work in order to deny the payment of the claimed compensation.
How to proceed if you’ve been denied compensation?
A lot of people would panic at this point but you shouldn’t. The first thing that you have to do in a situation of the kind is to go ahead and find a personal injury lawyer who has the necessary experience in this particular field. As soon as you explain the situation to him, he is going to come up with a plan accordingly. They have years of experience dealing with such cases and have helped thousands of people get the compensation that they seek. Injury lawyers are conversant with different aspects of the legal formalities and loopholes in the tort laws which can work in your favor.
The truth is that winning a claim of the kind is far from being easy as the insurance companies don’t just give these away. Even though you have been a loyal customer and you’ve paid out your premiums properly and on time, that’s just not how they work. With this in mind, finding the necessary help is going to ensure that everything is handled properly and that you get the compensation that you are legally entitled to.