Articles for Non-Lawyers

I am disabled from working. How do I apply for Long-Term Disability benefits? by Patricia Santucci

If you have Long-Term Disability benefits, you need to contact the human resources department at your place of employment.

If your office is too small to have a human resources department, there is usually someone who is in charge of employee issues. There may be someone specifically designated at your office, such as an office manager or it may be your employer directly.

You need a Long-Term Disability package. There are a number of forms that need to be completed: usually one by your physician, one by your employer and one by you. Your place of employment may not have the forms on hand, but will have the contact information for the disability carrier that you can call to obtain a package. These days many of the forms you will need to have completed are online.

A representative from the insurance company may call you to obtain further information. Once your package is completed and any further medical information needed to adjudicate your claim is submitted, you should receive a response in writing from the insurer indicating whether your claim is approved.

If your claim is denied, you need to contact a disability lawyer right away because Long-Term Disability Benefits are your financial lifeline and therefore you need to act swiftly.

At Patricia Santucci Personal Injury Law, we fight those claims every day and we can help. (15)

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About the Author Patricia Santucci

Patricia Santucci is a personal injury lawyer born and raised in Hamilton, Ontario. She holds several degrees having attended King’s College at the University of Western Ontario, McMaster University, earned a Master of Arts degree at the University of Windsor and an Ontario Teaching Degree from Teacher’s College as well as her Ontario Teaching Certificate. After graduating from the University of Alberta law school she was called to the bar in 2000. You can find Patricia on and LinkedIn or directly through this website