Long-Term Disability Benefits in British Columbia
Are you a British Columbia resident with a disability? If your insurance company has denied or prematurely ended your long-term disability (LTD) claim, you most likely have legal options to recover compensation if you qualify.
A large portion of disabled individuals may have insurance coverage for their disabilities, often through benefit plans from their employers. Most insurance companies are happy to collect premiums and promise a hassle-free experience when filing a claim, but the actual process to collect benefits is filled with potential traps. Long-term disability benefits typically come into effect after other forms of insurance have been paid out, such as government Employment Insurance (EI) and short-term disability coverage. Of course, you must also apply for long-term disability benefits first.
Although insurance policies share many similarities, your policy is subject to its own unique terms and conditions, which may be very complex. Preszler Injury Lawyers is available to help you navigate a claim and has decades of experience negotiating with a large variety of insurers. Benefits may include compensation for lost wages, lost future earning capacity, medical treatment, related travel costs, and help with household tasks.
Contrary to what some may think, disability is widespread across all of Canada. Statistics Canada released the most recent set of comprehensive data on disability in 2022. The agency found that between 2017 and 2022, the share of people in British Columbia 15 years old and above with at least one disability rose by 3.9 percentage points, to 28.6%. While Statistics Canada notes that the increase is not statistically significant, it is clear that hundreds of thousands of British Columbians are affected by disability in one form or another.
Long-term disability insurance, along with coverage for critical illness and accidents, may be among the benefits that are triggered if a serious injury or illness prevents you from going to work. Although long-term disability benefits may be available until your retirement age, you can also make claims for far shorter periods and even if your prognosis indicates an eventual full recovery.
How can our British Columbia long-term disability lawyers help?
Injuries and medical conditions that cause disability take many forms. Often, they are not physically apparent. Some of these 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)
- And more…
This list is by no means exhaustive. Even if your condition is not on this list, we may be able to advance your claim.
Book a free initial consultation with us today.
Cities in British Columbia our long-term disability lawyers serve
Cities We Serve in British Columbia
Contact our B.C. long-term disability lawyers for a free consultation
If you are dealing with a long-term disability claim and your insurer is not providing the coverage that is owed to you, our long-term disability lawyers would like to learn about your claim in detail. Call us at 1-844-791-8202 or connect with us online to find out more about our services and book a free consultation.