Long-Term Disability Benefits in Newfoundland and Labrador

Do you need to apply for long-term disability (LTD) benefits? Don’t know where to start? If so, our long-term disability lawyers can help. The prevalence of disability claims grew significantly in Newfoundland and Labrador from 2017 to 2022, Statistics Canada found. It reported that the percentage of people aged 15 and older with at least one disability rose 7.3 points, to 30.9%.

The Atlantic Collaborative on Injury Prevention prepared a far-reaching report on the financial and other costs of injury in the Atlantic provinces in 2022.

The report found that in 2018, injuries alone resulted in 3,127 hospitalizations in Newfoundland and Labrador, to say nothing of the impact of illness. The report also calculated the total costs of disability from injury in the province at $273.5 million that year. Disability was defined as earnings losses from permanent total disability (the injured individual is completely unable to work) and permanent partial disability (the injured individual can return to some form of work but not his or her previous occupation).

Whether caused by illness or injury, for the average person in a health crisis, lacking the insurance to cover any expenses that are their obligation could prove catastrophic to their finances. Such expenses could include transportation, rehabilitation, treatment, medication, childcare, and even accommodation and meals if medical appointments require long-distance travel. This adds stress to stress.

Long-term disability benefits are a welcome relief in such challenging circumstances. Often available as part of employer insurance plans, or privately purchased by individuals, LTD benefits replace a portion of your previous income (usually ranging from 40%-70%) when you must take time off work because of an illness or injury.

What can Preszler Injury Lawyers do for my claim?

Since 1959, Preszler Injury Lawyers has secured fair compensation for thousands of clients who advanced long-term disability claims. We strive to provide peace of mind and accurate, honest, and simple answers to your questions. Our services might include communicating with your insurance company, calculating the full value of your claim, arranging medical tests, negotiating settlements, replying to a claim denial, filing a lawsuit, and more.

A large variety of illnesses and injuries may trigger LTD benefits, both mental and physical. Typically, eligibility for benefits is based on your medical condition’s impact on your ability to work, rather than the specific nature of your condition.

Some conditions that LTD insurance policies include but are not limited to:

• AIDS/HIV
• Anxiety
• Arthritis
• Back pain
• Cancer
• Chronic fatigue, pain, or stress
• Concussions
• Depression
• Eating disorders
• Fibromyalgia
• Hearing and eyesight loss
• Heart attack or stroke
• Herniated discs
• Inflammatory bowel diseases (Crohn’s disease, ulcerative colitis)
• Lupus
• Lyme disease
• Mental health and psychological disorders
• Migraines
• Multiple sclerosis
• Neurological disorders
• Paralysis
• Panic attacks
• Post-traumatic stress disorder (PTSD)
• Respiratory problems
• Spinal injuries (bone and/or tissue)

This list is not comprehensive. We encourage you to contact us even if your illness or injury is not listed above. We can examine your policy in detail to check your LTD eligibility.

What communities do we serve in Newfoundland and Labrador?

Tell Preszler Injury Lawyers about your LTD claim

Call our long-term disability lawyers if you are considering making a LTD claim or have already applied for coverage. We can arrange a free initial consultation as soon as possible so we can learn more about your case and tell you what your legal options are. You can connect with us by calling 1-844-791-8202 or booking online. And remember, you don’t pay anything unless we win your claim for you.