Short Term Disability Claims Lawyer Toronto

Short-Term Disability (STD) insurance is a type of income replacement benefit that may provide financial support if you are temporarily unable to work because of an illness, injury, or other covered medical condition. The amount of benefits and the length of coverage depend on the terms of your disability insurance policy or workplace benefits plan.

A denial does not necessarily mean you are no longer entitled to Short-Term Disability benefits. Depending on the reason for the denial and the terms of your insurance policy, you may have options to appeal the decision or pursue a legal claim. Time limits may apply, so it is important to seek legal advice as soon as possible. Tony Lafazanis can review your denial, explain your legal options, and help determine the most appropriate course of action.

If your health condition persists as your short-term disability coverage nears its end, you will need to apply for long-term disability (LTD) benefits. Approval for STD does not automatically guarantee approval for LTD, as insurers often re-evaluate your file under different policy definitions. Tony Lafazanis can assist you in preparing for the transition to minimize gaps in your income.

The medical evidence required depends on your insurance policy and the nature of your medical condition. In most cases, insurers require documentation from your treating healthcare provider confirming your diagnosis, symptoms, treatment, and how your condition affects your ability to work. Additional medical information may be requested during the claims process. Tony Lafazanis can review your case and advise you on the evidence that may be needed to support your claim.

Time limits for disability claims can vary depending on your insurance policy and the circumstances of your case. But in many cases, under Ontario’s Limitations Act, 2002, there is generally a two-year limitation period from the date of the denial or termination of benefits to start a legal claim against an insurer. Furthermore, internal insurance company appeal deadlines can be much shorter and may consume valuable time. Seeking legal advice promptly helps ensure your rights are protected before key deadlines pass. Tony Lafazanis can review your claim and explain the limitation periods that may apply.