If you are a member of the union and your workplace is also unionized, the route to filing a long term disability claim will differ slightly. Jwan Desai, long term disability lawyer, has represented union clients in Toronto and can successfully help you dispute the termination or denial of your benefits.
Insured Long Term Care Benefit Plans
Some companies use a traditional insurance plan in which case the termination or denial of long term disability benefits becomes the insurance company's responsibility. Unlike an employer, insurance companies are not bound by the collective bargaining agreement and therefore long term disability claims must be disputed through the Toronto court system.
Employer Funded Long Term Disability Benefit Plans
It's common for many large companies to enter into an Administrative Services Only (ASO) Agreement with an insurance company who will then perform the administrative duties of the policy. Long term disability lawsuits in Toronto falling under this category will be processed and handled by the respective life insurance company. Although it may seem that the long term disability benefits are coming from the insurance company, the responsibility of all checks drawn on the insurance company's account will lie with the employer.
Not Sure What Your Long Term Disability Options Are?
Navigating through the CBA or insurance benefits booklets provided to you can be confusing. Your union representative or your employer's human resources department should be able to help your better understand your circumstances. If you are still have difficulty determining your options contact Jwan Desai, Toronto long term disability lawyer. You may be easily assisted over the phone or you may schedule a free consultation.