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Links to Frequently Asked Questions:
Accidents
- What is “the deductible”?
- What benefits are available if I die in an accident?
- If I was in a motor vehicle accident but I was not wearing a seatbelt do I still have a case?
Benefits & Employment
- Do my family members have a claim?
- Will I still receive my LTD payments if my job is terminated?
- Are there any non-medical reasons why the insurance company might not pay my LTD benefits?
Benefits & Taxes
- How do I know if I have enough LTD coverage?
- Will I have to pay taxes on any settlement or judgment?
- Why is it important to know whether or not my long-term disability is taxable or non taxable?
Denied/Terminated
- What if I refuse treatment or refuse to follow advice to go back to work?
- Why do I have 2 lawsuits arising out of the same Motor Vehicle Accident?
- What happens if I need accident benefits and my own insurance company won’t pay them?
Legal Counsel
- Why should I bring a lawsuit?
- Can I still sue if I am partially responsible for the collision?
- What kind of damages can I sue for in a tort claim?
Mental Health
- What if my disability is psychological as opposed to physical?
- What if I refuse treatment or refuse to follow advice to go back to work?
- Why do I have 2 lawsuits arising out of the same Motor Vehicle Accident?
Policies
- Why should I bring a lawsuit?
- Can the insurer make me go to a doctor?
- Will I get a “lump sum” payment for my LTD?
Requirements
- What must my employer do if I become disabled?
- How do I know if I have enough LTD coverage?
- What is an insurer examination?
Short & Long-Term Disability Benefits
- What compensation is my family entitled to?
- Should I apply for WSIB? How will it affect my LTD claim?
- What is an insurer examination?