Long term disability causes both psychological and physical damage. The feeling that they cannot work for a long term and will be hard pressed to meet their various financial obligations and commitments could be extremely disturbing for a worker.

2.  Long term disability refers to the
injury or illness of a worker that may
be expected to keep him out of work
for an extended period of time.
 The time for which the worker will
receive payment and what part of
the salary the worker will be paid
depends upon the term of
agreements entered in with the
insurance provider.

3.  With statistics showing that three out of
10 workers run a realistic risk of suffering
from some type or form of disability before
retirement, long term disability benefits
have become extremely important for
employees’ benefit packages.
 It is being seen that insurance
companies with increasing frequency are
indulging in wrong denials of insurance
claims. This should not come as a surprise
though, as an insurance company like any
other modern corporation is more
interested in increasing the shareholder’s
wealth and corporate profits.

4.  If you feel that your rightful claim is being
denied or there is an unfair delay in
processing of your claims, you immediately
need to get in touch with Share Lawyers.
 The Ontario’s leading law firm has excellent
disability claim lawyers who will fight
relentlessly on your behalf to ensure that you
suffer no further hardship and get the
compensation you deserve quickly, and in full.
 In the following section, we shall look at
some of the basics of long term disability
benefits and find out a how a good lawyer can
help in efficient and quick processing of the
claim.

6.  Who pays for the long term disability
coverage is often the most frequently
asked question. This is understandable,
as there are quite a few players who
can fully or partially pay for the long
term disability plan.
 Earlier, it was the company for which
you were working paid for the entire
cost of the insurance plan. There has
been a paradigm shift in such practices
in recent time though. Owing to the
introduction of various tax schemes
and benefits, majority of the long term
insurance plans are shared cost plans.

7.  A worker also has the option of
buying the long term disability
insurance lawyers in full on his
own. These private policies do not
require filing of appeal before
bringing in a lawsuit in case of a
wrongful denial by the insurance
company.

9.  This depends upon the employers. They get
to decide the amount of coverage they can
choose for their employees. Most plans will
pay 50 to 70 percent of the monthly salary the
worker was earning before the disability
struck.
 The amount of time for which the disability
amount is paid also varies. Some workers may
be paid for 5 to10 years, while others may
continue to receive payment until they attain
the age of retirement.

10.  Long
term
disability
causes
both
psychological and physical damage. The feeling
that they cannot work for a long term and will
be hard pressed to meet their various financial
obligations and commitments could be
extremely disturbing for a worker.
 Share Lawyers has expert and qualified long
term disability lawyers who offer exceptional
services, as compared to its competitors at the
most affordable rates.