Many employers provide significant benefits under short- and long-term disability insurance coverage. Many such insurance policies have dual definitions of disability. Most policies have a disability definition for a period of two years that covers inability to work at the same employment position or occupation pursued on the date of loss.
After the first two years, a secondary definition is engaged with the intent to stop further benefits. The definition of disability after two years requires that there be an inability to work at any employment for which the insured is reasonably qualified by reason of education, experience and other capabilities. Each claim will be governed by the insurance policy that applies to said claim.
To avoid confusion, we encourage you to come speak with a long-term disability lawyer in Richmond Hill. We are well experienced in engaging professionals and other specialists to determine the vocational, physical and psychological capabilities of our clients, and in presenting cases for ongoing disability benefits. We are frequently able to achieve an immediate lump-sum settlement with regard to all future payments available under the LTD insurance policy.