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Disability Insurance

Disability insurance is intended to help you maintain your independence even if you cannot work. It can be provided by private insurance, employment insurance, or through the Canada Pension Plan.

Qualifying for disability is seldom simple. There are often strict requirements for claiming and filing, and the same person with the same abilities may be eligible under one policy and not another.

It's important to contact a lawyer right away if you are considering applying for disability insurance. It can take a long time to be approved, and if you are turned down, it can be very difficult to overturn the decision.

It's better to do it right the first time.

We can help.

Maintaining Your Independence

Our lawyers can help you through the process of various kinds of disability claims, including:

  • Short-Term Disability (STD): This is usually intended for workers who are expected to return to work soon. Your employer may ask you to use up your sick days before claiming it. Contact us before doing so.
  • Long-Term Disability (LTD): If you are unable to return to work for six months or more, you may qualify for LTD. We will carefully examine your policy to see whether your situation qualifies you for LTD, as well as how long you need to be off work and how much of your income is covered.
  • CPP Disability Program: Anybody who is completely disabled can qualify for this benefit, but the definition of "completely disabled" can be difficult to satisfy. It means that you cannot do any job — which may include even jobs that pay far less than your current one, have nothing to do with your training and experience, and are located far away.

We can help you understand what you are entitled to, and claim it. We will carefully examine your particular policy, and make sure your documentation is correct and submitted on time, to avoid losing your benefits due to clerical errors.

We can also fight for your benefits if you have already been denied.

We have a reputation for taking on clients who want to live life as fully as possible after an accident or injury. Clients of ours who seek disability benefits do so because they are as recovered as they can be.

Contact Bergeron Clifford LLP

Contact us at 877-391-2923 or fill out our online form to set up a meeting at any of our Eastern Ontario offices, including Ottawa, Kingston, Whitby or Perth. We can also meet at your home or hospital or wherever is most convenient for you.