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Long-Term Disability (LTD) insurance provides income replacement if you are unable to work due to a prolonged illness or injury. It typically covers a percentage of your salary until you can return to work or reach retirement age.

The LTD application process can take anywhere from a few weeks to several months, depending on the complexity of your case and the responsiveness of your insurer.

Yes, mental health conditions such as depression, anxiety, PTSD, and other severe disorders may qualify for LTD benefits, provided you can supply the necessary medical documentation.

If your LTD claim is denied, it’s crucial to review the denial letter carefully, gather additional medical evidence, and consider filing an appeal. Consulting a disability lawyer can significantly improve your chances of a successful appeal.

‘Own occupation’ refers to the ability to perform your specific job duties, while ‘any occupation’ refers to any job for which you are reasonably qualified based on your education, training, or experience. Many LTD policies switch from ‘own occupation’ to ‘any occupation’ criteria after the first 24 months of disability.

A lawyer can help by gathering and presenting additional evidence, handling communications with the insurer, and representing you in negotiations or court, if necessary, to ensure you receive the benefits you’re entitled to.

Pre-existing conditions may be excluded from coverage under some LTD policies. It’s important to review your policy’s terms or consult with a lawyer to understand how a pre-existing condition may affect your claim.

The elimination period is the waiting time between the onset of your disability and when you become eligible to receive LTD benefits. This period typically ranges from 90 to 120 days, depending on your policy.

Comprehensive medical records, including diagnosis, treatment plans, and statements from healthcare providers, are essential for a successful LTD claim. Ongoing documentation is also important to support the continuity of your disability.

Tim Louis is a Vancouver-based lawyer with over 40 years of experience in personal injury, disability, and employment law. He is known for his compassionate approach and commitment to fighting for his clients’ rights.

Tim Louis specializes in long-term disability claims, personal injury cases, wrongful dismissal, and employment disputes. He provides dedicated legal support to help clients navigate complex legal challenges.

Tim Louis can assist by reviewing your case, gathering necessary medical evidence, negotiating with insurers, and representing you in court if needed. His goal is to ensure you receive the benefits you deserve.

Tim Louis believes in providing personalized, client-centered legal services. He takes the time to understand each client’s unique situation and works diligently to achieve the best possible outcome.

You can contact Tim Louis by phone at (604) 732-7678 or email at [email protected] to schedule a free consultation regarding your legal concerns.