How to Claim Disability in Ontario


If you’ve been injured or have become ill and need to recover lost income, it may be time to file a disability claim. The process can be quite complex, so it may be wise to consult with an Ontario disability insurance lawyer at Blackacre Law, PC.

Our lawyers are well-versed in Ontario disability insurance laws and will help walk you through the steps necessary to secure the compensation you need during your injury or illness.

Determine Which Type of Claim You Need to File

There are three different types of insurance coverage designed to protect you in case of an injury or illness. The circumstances surrounding your disabling condition will determine which type of claim you should file.

Workers compensation is a type of coverage your employer will be required to carry in Ontario, with few exceptions. If you were injured at work, you will likely be eligible to receive workers comp benefits. These benefits will cover your lost wages while you recover and any medical expenses stemming from your injuries.

If you carry commercial disability insurance, you will have two options when filing your claim: short-term disability and long-term disability. If your condition will be temporary, you will file a short-term disability claim. If you are going to be disabled for a period longer than six months, or if you will be permanently disabled, you will likely need to file a long-term disability claim.

If your physician believes you will require long-term disability coverage, you may want to initially file a short-term disability claim. That’s because long-term disability benefits cannot be claimed until you’ve exhausted any employee sick time or short-term disability funds.

If you have chosen to work with an Ontario disability insurance lawyer at Blackacre Law, PC, we will be able to examine the specifics of your case and give you advice about which type of disability claim you should file to receive full compensation as quickly as possible.

File Your Application with Physician Support

Once we’ve established which type of disability claim to file, we will begin your application for benefits. We will need to include a complete and accurate medical history, the opinions of your medical team on the severity of your condition, and any other supporting evidence that may help your case.

Receive Your Decision

After your application for benefits has been submitted, we will wait for a decision. You may be denied at first. Insurance companies are not known for quick and easy approvals, and patients are often required to jump through hoops to prove their disabilities.

If you are issued a denial, we will begin the appeals process, which usually requires additional documentation. Whatever the reason, your Ontario disability insurance lawyer will make sure to provide what the insurer has said it needs. If that still isn’t enough, we are prepared to send a demand letter for benefits or bring your case to court.

Consult with a Disability Insurance Lawyer in Ontario

At Blackacre Law, PC, we take your wellbeing seriously. When you’ve been diagnosed with a disabling injury or illness, you should be able to spend your time recovering without added financial stress.