Brampton personal injury lawyers often deal with cases where clients or their family members are seriously injured in an accident.

These victims may suffer from permanent or long term disability which prevents them from being mobile, able to work or enjoy life as they used to. They may also need ongoing medical treatment and rehabilitation and a dedicated care-giver. Many of them and their families have to bear huge financial, physical and emotional burdens that have a life-changing impact.

Studies show that most accidents are preventable and avoidable. They’re most often caused by someone’s fault or negligence. Injured victims are entitled to seek compensation from those responsible for the accident.

If you or a dear one has suffered long term disability as a result of an accident caused by another’s fault/negligence, contact the nearest personal injury lawyer in Brampton. You may be entitled to compensation.

Defining Long Term Disability (LTD)

LTD arises from catastrophic injuries or illness. These include:

• Traumatic Brain Injury
• Spinal Cord Damage
• Amputation

Brain injuries that result in scoring a score under 9 on the Glasgow Coma Scale are considered catastrophic.

The definition of LTD differs from insurance policy to policy. Each insurer may define and describe the term differently according to varying parameters and provide different benefits based on their own definition. Since these policies are not standardized, it could be difficult to advise clients about their rights and entitlements without thoroughly going through their insurance policies.

In general, LTD refers to a person being considered disabled as a result of illness or injury, rendering them unable to perform significant duties at work or unable to perform any occupation that you are qualified for based on your education and work experience.

LTD Benefits

LTD benefits are designed to provide income replacement when the injured person has been deprived of his/her income-earning capacity. These benefits may be bundled along with short-term disability benefits provided by employers or your private life/accident/sickness policy may have LTD coverage. In some policies, replacement income benefit is available till the age of 65, it may be taxable or non-taxable.

Canada Pension Plan (Disability) is also available if you are eligible to apply for it.

Other benefits like the disability tax credit, worker’s compensation benefits, veterans’ affairs Canada disability benefits, Provincial disability benefits, income support programs etc are available, based on your eligibility and the nature of your injuries and disability.

Claiming LTD Benefits

• Apply as early as possible, since there are statute of limitations restrictions
• Get help with the paperwork
• Your family physician’s co-operation is essential since they have to complete the application
• Describe your condition succinctly, clearly and consistently
• Your medical records should be complete
• Provide documentation about all the specialists you have consulted
• Know your policy details and have patience, don’t risk non-compliance with the policy
• Be careful while conversing with claims-adjusters
• Avoid social media posting on your condition

An experienced Serious Injury Lawyer can advise and assist you. It’s important to get your claim approved as swiftly as possible so that your life and that of your family becomes a little easier.