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Disability Policies: Long and Short Term Disability

Disability Policies

At Yazdani Law Office, we can assist you if you have any questions or disputes involving the below types of disability policies.

Group Insurance – Short Term Disability (STD)

STD disability insurance covers a short period of time (usually between 4 months to 1 year) in which you are paid a disability benefit if you become disabled and are unable to work at your job. STD benefits are most often payable by an employer instead of an insurance company, although the insurance company will be hired to adjudicate the claim and advise the employer whether the benefit should be payable.

If your STD claim has been denied, contact our office for a free consultation to discuss your legal options.

Group Insurance – Long Term Disability (LTD)

Long-Term Disability benefits are there to give employees peace of mind so if they one day become disabled and unable to work, they will have income replacement. Disabled employees are paid a monthly disability benefit to help cover their bills and pay for medications. Usually LTD policies will cover an employee up to the age of 65 if they remain disabled.

Most LTD policies have an “own-occupation” period and an “any-occupation” phase. For the first time period (usually two years), the employee will be paid if they are unable to work in their own occupation. Afterwards, an employee will only be paid if they are unable to work in any other occupation for which they are suited by education, training, or experience.

An insurance company may have multiple reasons for denying your claim or terminating your benefits. Often they state that your condition is not severe enough or that there is a lack of “objective” medical information. Sometimes they will argue that you are only off work because of “workplace issues” rather than a legitimate disability.

If your disability claim is denied, don’t give up. A court of law may strongly disagree with the insurance company’s position. Contact disability lawyer Mark Yazdani for a free and confidential discussion about your case.

Individual Disability Policies

Individual Disability policies are privately purchased by professionals and other individuals who want protection in the event they suffer a disability. These policies may a monthly benefit and commonly extend to age 65 if a person remains disabled. It may include a critical illness benefit that pays if you suffer a heart attack or some other type of serious illness. Sometimes, the insurance company will deny a claim and cancel the policy on the grounds that the insured lied about health history when applying for coverage.

If you own an individual policy and your claim is denied for any reason, contact disability lawyer Mark Yazdani for a free and confidential discussion about your case.

Call Mark Yazdani for a free and confidential consultation about your case.

416.630.8880 • info@disabledlaw.ca