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    What is Long-Term Disability?

    It is a type of disability which prevents someone from being gainfully employed for a long period of time. There are many reasons someone may be qualify for Long-term disability, whether it be from a car accident, disease, mental illness, etc.

    Many people who are recovering from injury or illness need to take an extended leave of absence from their employment. In these circumstances, Long-term disability benefits, which supplant a disabled workers income, are the only lifeline available. It is important to know where you stand and whether or not you qualify.

    Are you suffering from a LTD and need to take time off work?

    • What does your family doctor say?
    • What is your Long-term disability carrier saying about your condition
    • Have you been seen for any medical assessments?
    • Do you feel you cannot work anymore?
    • Have you exhausted your short term disability benefits?

    These are the types of questions you should be asking yourself if you think you may be suffering from an LTD and need benefits to assist you.

    The process of obtaining long-term disability benefits could be very difficult because third party entities and insurance companies have an incentive to deny your claim.

    It is always important to understand your rights and what your position is in the process of obtaining benefits. Consider the case of Swampillai v. Royal & Sun Alliance Insurance Company of Canada, where an employee signed off on a severance package that prevented him from obtaining long term disability benefits.

    The case was recently heard by the court of appeal and it will be proceeding to trial. It is an important lesson for anyone who is suffering from a long term disability to seek immediate legal advice before making any decisions on the future of their employment or issues regarding their long term disability insurance provider.