A long-term disability claim is a type of insurance policy that is primarily designed for employees for their protection. When an employee has a long-term disability such as illness, paralysis, or injury, LTD (Long Term Disability) claim ensures that the employees get a part of their salary. 

In today’s time, the workload that an employee has to go through is reaching more heights. During the pandemic, almost all the industries were at a standstill because of the situation outside. Now, as the companies are slowly starting to reopen, many people have become unemployed, while for the rest, their workload has doubled. The stress level faced by employees is increasing with the level of work they have to do, and therefore many want to leave their jobs. Some of them even face mental illness because of the workload that some jobs require.

Therefore, quite often, employees have the advantage to take the Long- Term Disability Claim insurance policy leave when they can’t pursue their occupation for a long time. 

Now, in this situation, not all employees get their insurance claims. Also, not all of the employees are eligible to get the LTD claim. Insurers sometimes deny an employee’s LTD claim by stating that “they are not eligible or qualified for one.” Often, this means that there are workplace issues, or the workplace has a toxic work environment, so the employees want to leave or quit their job. 

How does a toxic work environment affect your LTD claim? 

First, a toxic work environment is when an employee gets a toxic or a negative vibe from the workplace and can no longer work in it or for the employer. He/she believes that it is impossible to work in such an environment and often wants to quit in such situations. This toxicity in the workplace often affects the job of an employee and not the occupation. 

The difference between ‘occupation’ and ‘job’ is that if a nurse is employed at a hospital, that would be her job, whereas nursing would be her occupation. These two terms are distinctively important when claiming long-term disability insurance. An employee can only claim for the LTD when he/she can no longer pursue their occupation, that is when they are mentally or physically disabled for a long period, whereas when an LTD is claimed by an employee in the circumstances that the work environment is toxic, the claim will be refused by the insurer. When talking about a toxic work environment, an employee cannot work for the same employer, but can pursue his/her occupation in another company. In situations like these, the LTD claim is refused to the employee because long-term disability claims are for workers who cannot resume their occupation for a long time. Therefore, a toxic work environment does not qualify for an LTD claim. 

However, suppose an employee is going through mental illness in a toxic work environment and can no longer pursue their occupation. In that case, he/she will be entitled and qualified for the long-term disability claim. This may be when an employee faces some toxic work environment issue and is now in no position to pursue his/her career. If you are one of the people who have mental illness and want some guidance on the same, feel free to call our long-term disability claim lawyers in Brampton. They can guide you through the entire process and can help you get your claims on time. 

What if your insurer does not give you the claim? 

Many employees have a genuine mental or physical disability for which they want a long-term disability claim. However, insurers take these claims as a workplace issue and deny it. In situations like this, a lot of paperwork is required for the insurance policy claim. If insurers identify even one error in the paperwork, they can deny the claim. Many times, these people just want a reason to deny the claim and not give insurance money to genuine disabled workers. Many employees are going through this phase of not getting their claims. Our Brampton injury and long-term disability lawyers are experts in this field of claims and can get you your claim quickly. They can even guide you throughout the process and help you with all the procedures. 

On the other hand, if your claim is actually about the workplace toxicity or workplace issues and not a long-term disability, then as mentioned above, your claim will not be qualified for the insurance policy. Other factors are also involved and looked upon by the insurer when qualifying for an insurance policy. 

What is the difference between situational and permanent disabilities?

In many cases, employees have a problem with a situation, such as a person or a particular type of work. This is when situational disability is triggered. It is for a temporary period and goes away when the situation is ended. On the other hand, permanent disability is in all situations and with all people. This can also be when an employee is harassed in the workplace, which leads to the employee’s mental illness, leading him/her to quit the job and sometimes the occupation as well. In cases like these, our lawyers can protect and help you get your full compensation for the act done in the workplace. 

Also, in situations of harassment and inappropriate behavior in the workplace, the employee is entitled to receive severance pay from the employer. Our lawyers can help you get this severance amount if the company denies the employees the same.  

If you are one of the workers who is not getting their claimed amount of long-term disability, even on genuine terms, feel free to call us. We have well-experienced lawyers who look into these matters personally and give their expert advice. Also, we understand that there can be some difficulties during this time regarding financial crunches, so we even have assistance. 

Our office hours are quite flexible, with all the consultations being conducted online through video conferencing. The lawyers guide and consult the clients in video meetings and help them throughout the process. In times like these as well, we care for our clients and give them our full support and time. Reach out to us for any help, and we will happily assist you.