Short Term Disability Lawyers
Life is often unpredictable, and that means unexpected injuries and illnesses can happen anytime and anywhere. Most comprehensive insurance plans include short-term disability coverage in the event that you should suffer a personal injury or illness that puts you out of work for a prolonged period of time. Unfortunately, insurance companies still retain the right to deny short-term disability claims in Ontario without plausible grounds.
For someone who is temporarily out of work and has a family to support, this loss of income can be devastating. Experienced disability lawyers in Ontario, such as those who work at Mirian Law Firm, can help you navigate the process of appealing your denied short-term disability.
How to Apply for Short-Term Disability in Ontario
Applying for short-term disability in Ontario is an intricate step-by-step process. Certain qualifications and standards must be met in order for you to apply for and obtain a short-term disability settlement either from your insurance provider or employer.
Keep in mind that according to short-term disability law in Ontario, employers aren’t obligated to provide short-term disability insurance by default. If your employer doesn’t offer extensive coverage for your particular condition or injury, then you’re responsible for finding an insurance provider that does.
Short-term disability typically lasts up to 6 months. Anything that exceeds the 6-month period is considered long-term disability. Here are the steps you need to take to apply:
- Identify your personal, physical, and mental needs, and then find an insurance provider that offers the exact benefits you need. Research different insurance policies and companies. Note that some insurance companies require you to use up all of your sick days at work before you can submit a short-term disability claim.
- Start the application process. If your employer provides benefits, then you can obtain the necessary forms from your HR department. Otherwise, contact your chosen insurance provider.
- Start paying premiums on a monthly or biweekly basis. If your employer provides your insurance, then they’ll automatically start deducting your premiums from your paycheques. But if you purchase private insurance, then you’re responsible for making the payments yourself. Skipped payments could result in a suspension of your benefits.
- File and submit a claim whenever you need it. Again, depending on your circumstances, this can be done through your employer or your insurance provider.
What to Do If Your Short-Term Disability Claim is Denied
Certain qualifications and standards must be met in order for you to apply for and receive a short-term disability settlement as per your employer or insurance contract. If you feel that your short-term disability claim was unjustifiably denied for any reason, then you need the reputable Ontario disability denial lawyers at Mirian Law Firm to help you appeal your case.
We provide extensive services to help you understand your rights. For your convenience, we’ll meet you anywhere in Ontario, and we provide our services in a variety of languages to suit your needs. Contact us today to schedule your free case assessment.