DISABILITY INSURANCE
One out of every six Canadians will suffer a disability lasting at least three months before age 50. Would you be able to go three months without wages? When a worker is unable to perform the duties of their job due to a physical or cognitive disability or long-term illness, disability insurance may pay a portion of their lost wages. Qualifying injuries and illnesses can be work-related, but they don’t have to be.
TYPES OF DISABILITY CLAIMS
Long Term Disability
Short Term Disability
Long Term Disability
Short Term Disability
DO EMPLOYERS COVER DISABILITY INSURANCE
Some employers pay disability insurance, but it is usually quite limited. Others offer no disability coverage at all. An experienced Alberta disability insurance lawyer can help you review your employee handbook and any existing insurance policies to determine a) if you have disability insurance, b) what types of disabilities are covered, and c) how much of your salary it will cover should you ever need to use it.
WHEN YOU SHOULD CALL A LAWYER
If your employer offers little to no disability coverage, you have the option of purchasing private disability insurance from a broker. Disability insurance can be expensive when compared to other types of insurance, and determining whether or not this expense makes sense for your unique situation is not always an easy task. An Alberta disability insurance lawyer can help you determine how to proceed.
Legal issues can arise when an individual who has disability insurance files a claim and the claim is wrongfully denied. In these situations, it may become necessary to hire a lawyer. If you have suffered a disability and wish to make a claim on an existing policy, or you have been denied for a previously-filed claim, a skilled disability insurance lawyer can review your case, help you gather evidence to support your claim, and position you for the best possible outcome.
MAKING A CLAIM
Sometimes a disabled worker files a claim with their disability insurer and that claim is denied. This is often because their particular injury or illness is not covered by the policy, or because the insurer is challenging whether the worker is actually disabled. Disability policies can be highly complex and filled with rules, regulations, and procedures for how to handle a claim.
CALL ROBERTS LAW TODAY
At Roberts Law, we don’t treat clients like a number. We tailor our service to each client’s unique needs because we understand that every case requires a different approach. Our dedicated, compassionate legal team has been protecting the rights of clients throughout central and southern Alberta for years, and we have an impressive track record of obtaining substantial settlements for our clients. Call us today at 587-391-5110 for a free and confidential consultation about your case.