Kalsi and Associates Offers Services in Claiming Short and Long Term Disability Benefits
Accidents and health problems can sometimes create a permanent problem in your life by causing disability. Both short term and long term disabilities are crippling and can make individuals incapable of working or holding a job. At such times of distress what you need is a short term or long term disability benefits that can help you manage your finances and sort out your priorities.
If you have purchased an insurance plan that covers short- and long-term disabilities, you may be entitle to a compensation at the time of your highest needs. It is not always easy to deal with insurance companies and get the money that you rightly deserve. This is where Kalsi and Associates personal injury lawyers can help you with the process and make claiming and disbursal a hassle free process.
Difference Between Long Term and Short-Term Disability Insurance
A short-term disability insurance covers the expenses for a short period of time, in most cases for six months. Some benefits might go up to one year. Employers usually pay for short term insurance policies and when they don’t, the employees have to rely on Employment Insurance provided by the government.
Long term disability is when an individual is considered completely unable to return to work. Depending on the policy you have purchased, the policy will cover your income, medical treatment and rehabilitation. Long term disability benefits can be received till 65 years of age and the amount of benefits is reduced if you get disability benefits from other sources like Canada Pension Plan (CPP).
Claiming a disability benefit is often a lengthy and confusing process. If you or someone in your family has suffered any kind of disability and would like to claim your benefits, you can get in touch with a personal injury or disability lawyer at Kalsi and Associates who can guide you through the enitre process.
Call Kalsi and Associates personal injury lawyers on 1(844) 905-2993 and book a FREE consultation, today.
Government Of Canada
The Government of Canada offers programs or disability benefits for those who aren’t able to work for a long period, due to injury or accident. Depending on the province you are in, the benefits may vary. For those in Ontario, below are some of the long-term disability programs that apply:
Most businesses are obligated by the law to enroll their employees in the Workers Compensation Program. If you get injured on the job, you will be eligible for the Workers Compensation Benefits. It also applies to those who are unable to work for a long time.
The Disability Insurance Benefits applies when an accident strips you the ability to work or earn income. It refers to both those can’t work temporarily or are disable permanently, by accident. In this program, you will receive payments that are part of your regular income, for a specified amount of time.
For eligibility, you must be covered by your employer or buy the policy on your own.
If your disability keeps you from working and are below 65 years of age, you are eligible for this benefit. You also need to have contributed to CPP for some years. The employer usually does it through payroll.
CPP (Canadian Pension Plan) Disability Benefits are monthly payments that may also be provided to the children of the recipient of the CCP disability benefits or a deceased contributor to CPP.
Misfortune happens when we least expect it. If you need legal guidance on which claims you can make after an injury or accident; feel free to contact Kalsi & Associates personal injury lawyers at (844) 905-2993
INJURY LAW FREE ADVICE
As a stay-at-home spouse, you may wonder whether you are eligible for lost income damages if you are involved in an accident. The answer is yes, it is possible to sue for lost income damages even though you are not working away from home.
It may be difficult to do all this on your own, without the help of a lawyer with experience in the matter. The first step to take is to determine how the injury has impacted your:
- Potential of earning an income
- How it affects the value of services that you offer at home
An injury could limit you in a way that you may need to hire help from, say a nanny, to take your kids to school, pick them up, clean the house, cook and many other activities that you would carry out usually. Make a list of all the duties that you perform in the home to help you estimate the value of damages.
You will need to have evidence to show that it is possible for you to earn a degree of income, should you choose to return to work. You can use your education level or training to compare with others at the same levels, who are currently working. Suffering long-term injuries could lead to being suitable for a lower level job.
In such situation where individual has lost income, it is difficult to manage expenses and cope up with day to day activities. At Kalsi & Associates, a team of Personal Injury Lawyers, our aim is to get you a settlement you are entitled to at your tough times.