Practice Areas
Disability Benefits
You count on your disability insurer to pay when an injury or illness puts you off work. We’re here to make sure they honour that promise.
Insurers sell policies that…
are meant to pay you benefits when you get hurt. Long-Term Disability (LTD) coverage, Critical Illness coverage, Life Insurance coverage, and Accidental Death and Dismemberment (AD&D) coverage are all policies meant for your financial protection after an accident, illness, injury, or death of a loved one.
Insurance claim representatives can limit, delay, or deny you the benefits you are entitled to receive. The team at Remedy Law will work with you, with your medical team, and with your employer to get you these disability benefits.
Long-Term Disability Benefits
We at Remedy Law represent our clients at all stages of the Long-Term Disability (LTD) claim process, including your transition from work to sick leave, your application for benefits, your appeal of a denied claim, and in filing a lawsuit if necessary. We are familiar with the forms and the steps needed to get your insurer to pay benefits to you.
Long-Term Disability benefits are meant to pay you replacement income and can continue for several years. You may be entitled to a claim continuing even up until you are 65. Disability coverage could come from a workplace group policy, a union plan, or an insurance policy you bought yourself.
Your disability could be caused by a mental illness (Anxiety or Depression), chronic medical condition (Chronic Pain, Fibromyalgia, back pain, Crohn’s, etc.), treatment for an illness (surgery, chemotherapy) or from an accident (a car crash or a fall). These conditions can affect your ability to concentrate at work or to do physical labour.
Disability payment amounts vary by policy and are generally between 60% to 75% of your regular income. Disability benefit payments don’t start right away. Most plans require you to show you have been disabled for 3 to 6 months before you get repeating monthly payments.
During this waiting period, you may receive Short-Term Disability(STD) benefits from a group insurance plan or employment insurance (EI) sickness program.
Disability Insurers will insist that you meet their definition of “total disability” before they pay you benefits. Their definition of disability is generally that you are “unable to perform the essential duties of your own occupation, or any occupation, because of illness or injury.”
Without Long-Term Disability insurance coverage, you may have limited options for long-term income support. You may qualify for Canada Pension Plan Disability (CPP Disability) benefits, but those payments get capped at $1,457.45 per month.
Talk with us at Remedy Law, we can assist you in your claim for coverage.
Critical Illness Coverage
Critical Illness insurance is intended to provide you with additional coverage after a medical emergency like a heart attack, stroke, paralysis, or cancer. These illnesses often create significant medical costs. Critical Illness policies pay out cash to help cover those overruns when other health insurances may fall short.
Critical Illness insurers often insist on you proving that you are extremely ill or totally disabled before honouring your claim.
Did the insurance company deny your claim for critical illness benefits? Talk with us at Remedy Law, we can assist you in your claim for coverage.
Life Insurance / Accidental Death and Dismemberment Coverage
Accidental Death & Dismemberment (AD&D) coverage is meant to protect you should you lose use of a limb, lose your sight or hearing, or lose your ability to speak due to an accidental injury. It also pays a deemed beneficiary if a loved one dies as a result of an accident. AD&D Insurers sometimes attempt to deny coverage on allegations that the insured was impaired at the time of the accident, or on the basis of a person dying by suicide.
Life Insurance coverages are also meant to pay beneficiaries in the event of the death of a loved one. Life Insurance companies sometimes attempt to deny coverage on allegations that the insured misrepresented their health or on the basis of a person dying by suicide.
Did the insurance company deny your claim for AD&D or Life Insurance benefits? Talk with us at Remedy Law , we can assist you in your claim for coverage.
CPP Disability Coverage
The Canadian federal government’s CPP Disability program provides benefits to people with prolonged disabilities which prevent them from doing substantial amounts of work.
You can early up to $17,000 a year and still qualify for CPP disability benefits. You also need to have paid into the Canadian Pension Plan through your payroll taxes as an employee. CPP payments generally pay up to $1,457 per month and last until you reach age 65.
Other Benefits and Coverages
WorkSafeNB Benefits
If you are hurt while working, WorkSafeNB may provide you with monthly benefits. To be eligible for workers’ compensation payments, you must have been working for an employer insured under WorkSafeNB. Your injury or illness also needs to be work-related. Once approved, the WorkSafeNB program covers the cost of health care services and supplies to treat your injury and help you return to work. These include:
- Medical therapies and hospital fees
- Prescribed drugs
- Income benefits up to 85% of your take-home pay while you recover
- Personal care and travel expenses required for your medical care
You may also receive vocational rehabilitation services if you suffer from a permanent disability. This service will help you find your next job.
Disability Support Program
The New Brunswick government administers a disability support program designed to provide financial coverage for specific disability-related costs in New Brunswick. While Canada has a robust public health program, there are some benefits that may not be covered by that program. The disability support program can help cover the cost of home support workers, respite care, residential facility services for supervision, transportation support, and assistive devices.
In order to qualify for the disability support program in New Brunswick, you must be a New Brunswick resident between 19 and 64 years old with a long-term disability. The disability support program also requires that you have a disability where community involvement, specialty benefits and other supports would help you live a better life.
Disability Tax Credit
The Disability Tax Credit is another disability benefit available in New Brunswick. While not an income replacement benefit, it gives a refund on federal income taxes paid. To get benefits, you need to be paying taxes or to be dependent on someone who does.
If you have a child with a long-term disability, you can qualify for the child disability benefit. With this benefit, you receive a monthly payment. To qualify, you must be eligible for the Canada Child Benefit. In addition, your child must meet the criteria for the disability tax credit.
Insurers sell policies that…
are meant to pay you benefits when you get hurt. Long-Term Disability (LTD) coverage, Critical Illness coverage, Life Insurance coverage, and Accidental Death and Dismemberment (AD&D) coverage are all policies meant for your financial protection after an accident, illness, injury, or death of a loved one.
Insurance claim representatives can limit, delay, or deny you the benefits you are entitled to receive. The team at Remedy Law will work with you, with your medical team, and with your employer to get you these disability benefits.
Long-Term Disability Benefits
We at Remedy Law represent our clients at all stages of the Long-Term Disability (LTD) claim process, including your transition from work to sick leave, your application for benefits, your appeal of a denied claim, and in filing a lawsuit if necessary. We are familiar with the forms and the steps needed to get your insurer to pay benefits to you.
Long-Term Disability benefits are meant to pay you replacement income and can continue for several years. You may be entitled to a claim continuing even up until you are 65. Disability coverage could come from a workplace group policy, a union plan, or an insurance policy you bought yourself.
Your disability could be caused by a mental illness (Anxiety or Depression), chronic medical condition (Chronic Pain, Fibromyalgia, back pain, Crohn’s, etc.), treatment for an illness (surgery, chemotherapy) or from an accident (a car crash or a fall). These conditions can affect your ability to concentrate at work or to do physical labour.
Disability payment amounts vary by policy and are generally between 60% to 75% of your regular income. Disability benefit payments don’t start right away. Most plans require you to show you have been disabled for 3 to 6 months before you get repeating monthly payments.
During this waiting period, you may receive Short-Term Disability(STD) benefits from a group insurance plan or employment insurance (EI) sickness program.
Disability Insurers will insist that you meet their definition of “total disability” before they pay you benefits. Their definition of disability is generally that you are “unable to perform the essential duties of your own occupation, or any occupation, because of illness or injury.”
Without Long-Term Disability insurance coverage, you may have limited options for long-term income support. You may qualify for Canada Pension Plan Disability (CPP Disability) benefits, but those payments get capped at $1,457.45 per month.
Talk with us at Remedy Law, we can assist you in your claim for coverage.
Critical Illness Coverage
Critical Illness insurance is intended to provide you with additional coverage after a medical emergency like a heart attack, stroke, paralysis, or cancer. These illnesses often create significant medical costs. Critical Illness policies pay out cash to help cover those overruns when other health insurances may fall short.
Critical Illness insurers often insist on you proving that you are extremely ill or totally disabled before honouring your claim.
Did the insurance company deny your claim for critical illness benefits? Talk with us at Remedy Law, we can assist you in your claim for coverage.
Life Insurance / Accidental Death and Dismemberment Coverage
Accidental Death & Dismemberment (AD&D) coverage is meant to protect you should you lose use of a limb, lose your sight or hearing, or lose your ability to speak due to an accidental injury. It also pays a deemed beneficiary if a loved one dies as a result of an accident. AD&D Insurers sometimes attempt to deny coverage on allegations that the insured was impaired at the time of the accident, or on the basis of a person dying by suicide.
Life Insurance coverages are also meant to pay beneficiaries in the event of the death of a loved one. Life Insurance companies sometimes attempt to deny coverage on allegations that the insured misrepresented their health or on the basis of a person dying by suicide.
Did the insurance company deny your claim for AD&D or Life Insurance benefits? Talk with us at Remedy Law , we can assist you in your claim for coverage.
CPP Disability Coverage
The Canadian federal government’s CPP Disability program provides benefits to people with prolonged disabilities which prevent them from doing substantial amounts of work.
You can early up to $17,000 a year and still qualify for CPP disability benefits. You also need to have paid into the Canadian Pension Plan through your payroll taxes as an employee. CPP payments generally pay up to $1,457 per month and last until you reach age 65.
Other Benefits and Coverages
WorkSafeNB Benefits
If you are hurt while working, WorkSafeNB may provide you with monthly benefits. To be eligible for workers’ compensation payments, you must have been working for an employer insured under WorkSafeNB. Your injury or illness also needs to be work-related. Once approved, the WorkSafeNB program covers the cost of health care services and supplies to treat your injury and help you return to work. These include:
- Medical therapies and hospital fees
- Prescribed drugs
- Income benefits up to 85% of your take-home pay while you recover
- Personal care and travel expenses required for your medical care
You may also receive vocational rehabilitation services if you suffer from a permanent disability. This service will help you find your next job.
Disability Support Program
The New Brunswick government administers a disability support program designed to provide financial coverage for specific disability-related costs in New Brunswick. While Canada has a robust public health program, there are some benefits that may not be covered by that program. The disability support program can help cover the cost of home support workers, respite care, residential facility services for supervision, transportation support, and assistive devices.
In order to qualify for the disability support program in New Brunswick, you must be a New Brunswick resident between 19 and 64 years old with a long-term disability. The disability support program also requires that you have a disability where community involvement, specialty benefits and other supports would help you live a better life.
Disability Tax Credit
The Disability Tax Credit is another disability benefit available in New Brunswick. While not an income replacement benefit, it gives a refund on federal income taxes paid. To get benefits, you need to be paying taxes or to be dependent on someone who does.
If you have a child with a long-term disability, you can qualify for the child disability benefit. With this benefit, you receive a monthly payment. To qualify, you must be eligible for the Canada Child Benefit. In addition, your child must meet the criteria for the disability tax credit.
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