The Hospitals of Ontario Disability Income Plan states the following:
“Totally disabled means that the member has a medically determinable physical or mental impairment due to injury or illness which prevents him/her from performing the regular duties of the occupation in which he/she participated just before the disability started.”
This definition generally asserts that your illness prevents you from performing the regular requirements of your own occupation and, as a result, caution and common care call for you to cease your occupation in order to effect a cure. This does not necessarily mean you are completely incapable of performing any activities relating to your profession.
The LTD brochure provided through your employer in your disability benefits policy will provide a better understanding as to how the exact definition of ‘total disability’ applies to you, the conditions you must meet, and the amount of income replacement you may expect to receive. Jwan Desai, long term disability lawyer, will review your LTD claim and help you navigate through the legal terms of your disability insurance policy.
It is important to obtain legal counsel regarding your LTD claim to help ensure you receive your rightful compensation. Your disability benefits, as stated in your policy, are owed to you and are subject to legal force. Obtaining sound legal advice will help ensure your benefits are not adversely affected by inaccurate or incomplete information.
There are time constraints to all claims and a delay in proceeding may be subject to a deadline. Contact LTD law firm to clarify these deadlines.