This Website is intended to provide general information about Patricia R. Santucci Law, PC, an Ontario Professional Corporation. The presentation of information through this site or use of this site does not create a lawyer and client relationship with Patricia R. Santucci Law, PC or any of its lawyers. Nothing in this site is or may be relied on as legal advice, and readers should always take individual professional advice before taking action. Do not send us case information or materials if we have not previously communicated and agreed to terms of retainer. We disclaim liability for errors or omissions in any information contained in this site.
Links to Frequently Asked Questions:
Accidents
- What happens if I’m injured in a car accident while in the Course of Employment?
- What is a Case Manager and when do I get one?
- If I don’t meet the threshold, does that mean I have no case at all?
Benefits & Employment
- What is the monthly maximum on my LTD coverage?
- Are there any non-medical reasons why the insurance company might not pay my LTD benefits?
- I have coverage through my group policy at work, what happens now?
Benefits & Taxes
- Why is it important to know whether or not my long-term disability is taxable or non taxable?
- Will I have to pay taxes on any settlement or judgment?
- How do I know if I have enough LTD coverage?
Denied/Terminated
- Why should I bring a lawsuit?
- Can my insurance company videotape me?
- What happens if I do not agree with my insurance company’s decision regarding my accident benefits?
Legal Counsel
- What will a lawyer do if I am denied LTD benefits?
- Will I get a “lump sum” payment for my LTD?
- Do I need a lawyer to assist me with completing the various forms in order to receive short term or long term disability benefits?
Mental Health
- Why do I have 2 lawsuits arising out of the same Motor Vehicle Accident?
- 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?
Policies
- Is Mortgage Disability Insurance the same as LTD?
- What does “totally disabled” mean?
- What if I was enrolled in school at the time of the collision?
Requirements
- Will I be paid for my expenses to travel to an Independent Medical Examination?
- Do I need a lawyer to deal with my own insurance company?
- Can I still do volunteer work and qualify for LTD?
Short & Long-Term Disability Benefits
- How long do I have to bring a tort claim?
- Should I apply for Employment Insurance?
- What do I do if my LTD benefits are denied or cut off?