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Toronto Short-Term Disability Lawyer
Are you temporarily unable to work due to an illness or injury? Perhaps you’ve filed a claim for short-term disability benefits and were denied. What are you going to do now? A short-term disability lawyer in Toronto can walk you through the process of appealing the insurer’s decision.
Short-term disability insurance is designed to protect you when you’re temporarily unable to work for medical reasons. If your initial claim has been denied, the Mirian Law Firm can handle the appeals process on your behalf. Your Toronto short-term disability lawyer will work with you to overturn the denial so that you can start collecting the benefits you’re entitled to.
Eligibility for Short-Term Disability Benefits
To qualify for short-term disability, a number of conditions must be met. To begin with, you must have been working for your employer for a minimum of three months before you can collect. You must also have used up any paid sick time you’ve accumulated.
In terms of illness or injury, there are numerous ailments that should enable you to receive STD benefits:
- Accidents – Car wreck injuries; work injuries; weather-related injuries; slip-and-fall injuries; and head, back, or neck injuries should apply
- Illness – Infection, disease, or sickness qualify
- Pregnancy – Being with child and complications related to pregnancy, such as physician-ordered bed rest, should meet the criteria
There are also quite a few situations that would render you ineligible for short-term disability benefits. A few of these are as follows:
- Accidents resulting from drug or alcohol use
- Injuries sustained while committing a felony
- An attempt to commit suicide or inflict self-harm in any way
If you meet any of the aforementioned eligibility criteria, you should not have been denied your disability benefits. Your short-term disability lawyer may suggest that you be medically evaluated by a credible physician as a way to gather evidence for your appeal.
Why Was My Short-Term Disability Claim Denied?
If you received a denial letter when you filed your disability claim, you’re probably wondering why you weren’t approved. The most common reason occurs when the insurance company indicates that you were untruthful on your preliminary disability application. They might claim that you left out any pre-existing conditions when discussing your medical history, for example.
Most insurance providers will consider a condition as pre-existing if you previously received treatment for it prior to enrolling in the STD policy. With that being said, it is important that any new diagnoses be reported to your insurer.
While commercial policies do have the option for non-renewal at the term’s end, you will still be covered for the length of your current policy. Insurance companies are legally allowed to cancel your current policy if they discover any purposeful misinformation on your part.
Other reasons you may have been denied short-term disability benefits include clerical issues on your disability claim, adjudicators making hasty decisions without complete information, or the insurance company simply not believing that your disability is serious enough to prevent you from working.
Contact a Short-Term Disability Lawyer in Toronto, Ontario
The Mirian Law Firm has extensive experience in overturning STD denials. Our Toronto short-term disability attorneys will obtain expert medical opinions about your condition from your doctor and hold the disability insurance company responsible when negotiating your appeal. Our goal is to enable you to recover from your disability swiftly and without having to agonize over how you’ll make ends meet in the interim.
When you’re stuck dealing with an STD benefits denial or are having difficulty transitioning to long-term disability benefits, a Toronto short-term disability lawyer from our office is here to assuage your fears. We will persevere until you receive the compensation you’ve earned. Call us today at 647-556-5888 or fill out the form below to discuss the specifics of your case during a free consultation.