How Seasonal Affective Disorder (SAD) and COVID-19 Pandemic Could Lead to a Short Term Disability or Long Term Disability Claim
Every year, people across the country are affected by SAD. Since March 2020, Canadians have also had to cope with the additional stress of the COVID-19 pandemic. Mental health has an incredible impact on one’s ability to work and could cause an employee to make a short term disability claim or long term disability claim.
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COVID-19: DISABILITY CLAIMS RELATED TO THE PANDEMIC
Ontarians and indeed all Canadians are learning to live life impacted by the COVID-19 pandemic. New workplace procedures and the challenges of working from home are two major changes, and many people have been temporarily laid-off or lost their jobs entirely. A claim for Disability insurance benefits may be appropriate in certain circumstances.
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Long Term Disability (LTD) Benefit Insurance Claim Denied?
Disability insurance is meant to provide peace of mind. Any disability – physical and/or psychological – that restricts you from performing the essential tasks of your employment may entitle you to disability benefits. There may be disagreement with the insurance company on your ability to return to work or the extent of your disability. It would be a mistake to assume that the insurer is correct.
Read MoreHow Can a Lawyer Help with Short and Long Term Disability Insurance Claims Disputes?
Disability insurance is meant to provide peace of mind in case your physical and/or mental health stops you from working. Often employers will purchase disability insurance on behalf of their employees, as part of an employee benefit program. Individuals may on their own purchase disability insurance, as well. In any case, disability insurance is meant as a safety net, to help cover living and general expenses in the event you are unable to earn an income.
Read MoreDo you need the services of a Disability Lawyer in Toronto?
Sadly, if you have received a disabling injury in an accident, you may need Tony Lafazanis to help you receive the benefits you deserve. Most insurance companies will still attempt to get the disabled person to accept less than they are entitled to. Thankfully, the court system does not agree with this practice. There are special standards set for disabilities. You need the services of Tony Lafazanis in Toronto.
