Disability Claims Lawyer in Toronto
Opalinski Law is a personal injury law firm in Toronto, specializing in securing disability insurance benefits for injured clients and their families.
The unfortunate reality is that insurers often delay or deny payment of disability benefits based on technicalities, and insurance companies commonly allege that you are either insufficiently disabled or made misrepresentations on your application for benefits. This often discourages injured victims from pursuing their rights to disability benefits, resulting in great financial hardship and pressure to return to work despite a continued disability.
The good news is there are Toronto personal injury lawyers who can help. Learn how disability insurance claims lawyers like Barbara Opalinski can help you secure the benefits and compensation you deserve.
Work with a Professional Disability Claim Lawyer in Toronto
At Opalinski Law, we’re committed to advocating on behalf of our clients and fighting for their legal rights.
Disability insurance is designed to give victims and their families the peace of mind they need to focus on their recovery, and disability insurance claim lawyers can help you navigate Ontario’s complex legal system and ensure you receive the assistance you deserve.
If your claim has been denied or your benefits have been cut off, trust Opalinski Law to advocate on your behalf.
The Disability Claims Process
Understand Your Rights
If you’ve been injured in an accident, understanding your rights for disability benefits is crucial to receiving maximum compensation. While the definition varies between insurance companies, a short or long-term disability insurance claim lawyer can help you understand the details of your plan and how to move forward.
Filing Your Claim
The application package for disability benefits can include documents such as The Employee Statement, The Employer Statement, and The Attending Physician’s Statement. Cumulatively, each statement will aid in determining the date of your disability, date of benefits, and the amount of compensation you will receive. At Opalinski Law, we understand paperwork may seem overwhelming and are proud to be one of the leading short and long-term disability insurance claim lawyers available to assist you.
After You File a Claim
Your disability insurance claim lawyer will help you understand the application process and ensure you have the information you need to proceed with your claim. A case lawyer will reach out to your disability insurance claims lawyer after a formal denial letter has been sent.
Internal Medical Review
Your insurance company will assign a medical consultant to conduct a file review and assist the case manager during their decision-making process. This review may be conducted on paper or in-person and the medical consultant should not have any direct contact with the plaintiff.
The Claims Decision
Once the case manager has received all required documentation and a response from the assigned medical consultant, if applicable, they will make a final decision regarding your claim. If your claim is denied, your short-term disability insurance claim lawyer will advise on the appropriate next steps.
Contact a Disability Insurance Claims Lawyer in Toronto
At Opalinski Law, we specialize in all areas of personal injury, including disability law. With our resources and expertise, your disability insurance claims lawyer can help clients across Toronto and the GTA receive the settlement they deserve, so they can begin to heal.
Frequently Asked Questions
What qualifies as a disability in Ontario?
Under the Ontario Disability Support Program Act, being a person with a disability includes:
- A substantial mental or physical impairment that is recurrent or continuous
- The direct effect of your impairment has resulted in a significant restriction in your ability to work, care for yourself, or take part in your community
- Your impairment and its subsequent restrictions have been verified by a licensed and approved healthcare professional
What does disability insurance cover?
Disability insurance is designed to protect and replace a part of your income if you suffer a disabling illness or injury. Typically, disability insurance will cover between 60 and 85 percent of your regular income, depending on your current policy plan.
Your individual disability insurance claim lawyer will advocate on your behalf to secure your maximum entitled compensation.
Contact Opalinski Law today to schedule your complimentary one-hour consultation.
Short-term vs. long-term disability
Short-term disability coverage is designed to provide financial relief for a brief period following an accident, in which the victim is unable to return to work. While individual policies may vary, standard coverage is between three to six months.
Long-term disability benefits are intended to provide compensation for a significant period, anywhere between five to 20 years, or, in certain cases, into retirement. This is provided the individual is unable to work or earn income in that time.
Individual disability insurance claim lawyers have the insight and resources to help clients file the right disability claim and will work tirelessly to ensure they receive entitled compensation.
Contact Opalinski Law today to schedule your complimentary one-hour consultation.
Is disability insurance mandatory in Ontario?
In Ontario, there is no law requiring employers to provide disability insurance. However, individuals can purchase disability insurance on their own with their provider. In this case, you may want to consider getting the help of a professional. Disability insurance claims lawyers are professionals equipped to provide you with additional information to help ensure you are making the right choice.
At Opalinski Law, we believe our clients should never have to worry about paying their rent or mortgage after an accident. We will fight for your rights and ensure your provider upholds your claim by providing the maximum amount of benefits you’re entitled to continue on your road to recovery.
Contact Opalinski Law today to schedule your complimentary one-hour consultation.
When to hire a disability insurance claims lawyer
If you’ve been injured in an accident, you should reach out to a disability insurance claim lawyer after seeking any necessary medical attention. A lawyer that specializes in disability law will have the insight and knowledge you need to successfully file your claim and will advocate to your insurance provider on your behalf.
At Opalinski Law, we offer a complimentary one-hour consultation. During this time, you can speak with a disability insurance claim lawyer regarding the details of your case and ask any relevant questions that will help determine next steps.
Contact Opalinski Law today to schedule your complimentary one-hour consultation.
Why do I need an individual disability insurance claim lawyer?
A disability insurance claims lawyer is an expert in disability law and understands the complexities and nuances of Ontario’s legal system. With their vast resources and insights, they can help their clients reach a fair settlement after their accident, and ensure they have the financial relief they need to continue their recovery process.
At Opalinski Law, we work with individuals and their families in Toronto and across the GTA, providing quality legal counsel in a selection of personal injury cases. If your insurance provider has denied your claim or cut off your benefits, we will work tirelessly to restore your compensation.
Contact Opalinski Law today to schedule your complimentary one-hour consultation.
How can a disability insurance claim lawyer help?
An individual disability insurance claim lawyer understands the ins and outs of disability law and will follow the appropriate procedure to secure their client’s compensation.
With extensive knowledge in this specialized area of law, your lawyer can help you navigate your claims process and provide insight going forward. They will advocate on your behalf and negotiate with your insurance provider, ensuring your legal rights are upheld.
At Opalinski Law, we work with individuals and their families to protect their financial well-being, whether they’ve been involved in an auto or pedestrian accident or have suffered a spinal or brain injury. We’re committed to fighting for our clients and ensuring they have financial peace of mind to focus on their road to recovery.
Contact Opalinski Law today to schedule your complimentary one-hour consultation.
How long does it take to settle a disability insurance claim?
Settling a disability insurance claim in Ontario can take anywhere from six weeks to four months, depending on the complexity of your case. Your disability insurance claim lawyer will advise you on the appropriate course of action and work diligently to ensure you receive your entitled benefits as quickly as possible.
Contact Opalinski Law today to schedule your complimentary one-hour consultation.
How much am I entitled to from a disability insurance claim?
Compensation from a disability insurance claim may vary depending on your policy, however, they should ultimately provide support between 65 to 85 percent of your income. A short-term disability insurance claim lawyer can help you understand your rights and entitled compensation and will work with your insurance company on your behalf to secure your disability benefits.
Contact Opalinski Law today to schedule your complimentary one-hour consultation.
What sets Opalinski Law apart from other short-term disability insurance claim lawyers in Toronto?
At Opalinski Law, we’re proud to be a leading personal injury law firm in Toronto, specializing in short and long-term disability benefit claims.
We work closely with individuals and their families to understand the nuances of their accidents and how to move forward with their claims. With our leading counsel, Barbara K. Opalinski, at the helm of our operations, our team can handle any personal injury claim, including motor vehicle accidents, cyclist accidents, spinal cord injuries in Toronto and more.
We understand the complexities of Ontario’s legal system and can provide the resources and insight our clients need to effectively settle their cases. If your insurance company refuses to honour your policy, we have the litigation experience to take your case to court. You can feel confident knowing your legal rights are in the right hands.
We offer a free one-hour consultation where you can discuss the details of your accident with our short-term disability insurance claim lawyer, Barbara K. Opalinski. With these insights, she will suggest the best course of action to secure your entitled benefits and compensation.
Barbara is also a Polish lawyer in Toronto and Mississauga, equipped to offer her services within the Polish-speaking community.
Contact Opalinski Law today to schedule your complimentary one-hour consultation.
How much does a disability insurance claims lawyer cost?
The cost of hiring a disability insurance claim lawyer may vary depending on the scope of your claim and the potential of your case going to trial.
Your lawyer will provide a contingency fee agreement which explains their fee structure during your free consultation. Contingency fees will often vary depending on the complexity of the accident and expected results — but you don’t pay until we’re successful. Disbursements are not payable by the client.
In addition, a comprehensive guide from the Law Society of Ontario will be provided to all clients.
Contact Opalinski Law to schedule your complimentary one-hour consultation.
How much does a disability insurance claims lawyer cost?
Looking for personal injury lawyers in Mississauga or Toronto? Opalinski Law is proud to offer legal services for individuals and their families across the GTA.
If you’ve been denied benefits or compensation from your insurance company, you need a long or short-term disability insurance claim lawyer to fight for your rights. Our team will work tirelessly to advocate on your behalf.
Schedule a free one-hour consultation today to get started.
Choose Opalinski Law
Opalinski Law is proud to be a leading personal injury law firm in Toronto, specializing in short and long-term disability insurance claims.
We understand the tactics insurance companies will use to deny or cut off benefits to their customers. That’s why we’re best equipped to help individuals and their families navigate Ontario’s complex legal system and negotiate with insurance providers on their behalf.
Our individual disability insurance claim lawyer, Barbara K. Opalinski, and her team will work tirelessly to fight for the benefits and compensation you deserve.
Contact Opalinski Law today to schedule your free one-hour consultation.