Red Deer Disability Lawyers

Has your ability to work been impacted due or to an illness or injury? This can cause added stress during a time when you should be focussing on your health. Disability insurance may be able to provide vital financial support for you and your loved ones. In some cases, you may have been denied disability coverage even though you are eligible to make a claim for compensation.

Our caring and knowledgeable legal team may be able to help you access the financial support you need during this difficult time. With over 45 years of experience helping clients across Alberta access compensation, our team at Litco Law is here to support you wherever you are in your disability claim. Contact us today to book a free consultation with our legal team.

Common Types of Injuries Eligible for Disability Claims

There are several conditions which can impact a person’s ability to work. Some may be brought on by an accident, while others may be the result of degenerative diseases that are genetic in nature. Both physical and mental health conditions may receive coverage under a disability claim. 

Our team at Litco Law has experience accessing disability benefits for a wide range of illnesses and injuries, including:

 

• ALS 


• Anxiety


• Cancer


• Cardiac issues


• Chronic fatigue


• Chronic pain


• Colitis


• Crohn’s disease


• Depression


• Diabetes


• Fibromyalgia


• Fractures


• Multiple Sclerosis 


• Neck or back pain


• Nerve pain


• Parkinson’s disease


• Rheumatoid Arthritis


• Somatic Pain Disorder


• Thoracic Outlet Syndrome


• Vision issues


• And more

Short and Long Term Disability Insurance

When preparing to apply for disability insurance coverage, your lawyer will first assess whether you require short-term disability insurance or long term disability insurance.

Short-term disability coverage generally lasts up to six months. Claims go through your employer's plan. Because paid sick leave is not mandatory in Alberta, these policies may vary by employer. Without short-term disability coverage or an employer-provided plan, you may be eligible for sickness benefits under Employment Insurance, which may provide 55% of your regular earnings, up to $650 a week.

Long term disability insurance benefits typically start after you have used up any available short-term disability insurance, employer sick leave, and EI Benefits. These plans usually replace around 60% to 70% of your regular earnings. The specifics can vary by plan; some offer benefits for up to two years if you can't return to your previous job due to disability. After two years, the benefits may only continue if you are unable to perform any work at all.

Reasons Insurers May Deny Long Term Disability Claims

While you may be eligible to receive disability insurance benefits, an insurance company may attempt to deny your claim. From administrative errors to technicalities, there are many different factors that may result in an unfair denial.

Remember - even if an insurance company denies your claim, you may be eligible for an appeal. At Litco Law, our Red Deer disability lawyers are here to understand the ins and outs of your claim and see where we may be of service in helping you get the compensation you deserve.

Insurance companies may conduct research in order to verify your eligibility for a claim. It may be in your best interests to be mindful of what you post on social media over the course of your claim. Likewise, make sure to follow the directions of your doctor, and seek appropriate treatment for your injuries.

Limitation periods may be a factor in your Red Deer disability claim. Typically, an individual has two years following an accident to file a claim. If you have been denied coverage, there may be a specific amount of time within which you must decide whether to file an appeal. The specific amount of time you may have can vary. Our Red Deer disability lawyers would be happy to discuss your options and provide insights into what next steps may best benefit you.

There may be many reasons for a denial, but there are likewise many reasons for an appeal. At Litco Law, it won’t cost you anything to speak to our legal team and find out if you are eligible for a disability claim. Contact us today to book a free consultation.

Contact our Red Deer Disability Lawyers Today

We understand how stressful and frustrating it can be if your disability claim has been unfairly denied. You may feel as though you are no longer able to make ends meet, need to compromise your health and return to work, or you may feel as though you should forego treatments until you are more financially secure. At Litco Law, we believe that disability benefits should be there for you when you need them most. Since 1976, our firm has been providing essential support to clients in the process of pursuing disability claims.

If you or a loved one need legal assistance with a disability claim in Red Deer, contact us to schedule a free initial consultation with our legal team today. You are under no obligation to pursue a claim with us after your initial consultation. However, working with us, you will have a dedicated, compassionate team on your side every step of the way.