If you have been injured and are unable to work, you may be eligible to make a disability claim through your private insurance. You can apply for:

• Short-term disability for periods of time usually shorter than three or six months
• Long-term disability if your injury is such that you will not be able to return for more than three to six months under most policies

It is not uncommon to be denied disability benefits. Your insurance company may claim that you are not truly disabled, or are not disabled enough to stop working. It is important to fully understand your insurance policy in order to access benefits.

Understanding Conditions For Disability in North York and Toronto

Different insurance policies have different requirements for accessing disability benefits. Our long-term disability lawyers for North York and Toronto can help explain some of these requirements, such as:

• Inability to return to your own job: For example, you may be able to do many of the functions of your previous office job, but not the ones that require you to frequently climb up and down the stairs in your office building.
• Inability to do the work you are suited for: If you were previously employed as a secretary and are still able to speak, move and function normally, but can no longer type, you may not be able to return to your old job or any job similar to it.
• Inability to work consistently: This can be a concern for otherwise able people who suffer from conditions such as chronic debilitating headaches. An employer may not hire or maintain an employee who frequently misses work without warning.

Different levels of disability entitle you to different kinds of benefits. Your insurance policy may also exclude certain types of conditions or claims.

At Rooz Law, we can help you determine what kind of long-term disability you can obtain under your plan. We can also help prove your symptoms to the insurance company, and help you get the disability benefits you need.

Contact Us

If you have been injured in the Greater Toronto Area, contact Rooz Law at 416-229-6000. The sooner you call, the faster we can get you the compensation you deserve