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Long-Term & Short-Term Disability

It is not uncommon for employees to be terminated while on disability or become disabled sometime after the termination of their employment. In either case, individuals are often deprived of significant financial support from their private insurance providers. 

At Zeilikman Law, we focus on the denial of short-term and long-term disability and medical benefits claims, usually arising out of an employment context. Short-term and long-term disabilities are not as easily replaceable such as that of healthcare and dental. These benefits are usually provided by the employer, through insurance obtained for a group of employees.

What is the difference between short-term and long-term disability? 

Disability occurs where there are issues of impairments, activity limitations, and participation restrictions. 

Short-term disability coverage under private insurance contracts normally exists for up to 6 months. 

Long-term disability coverage then extends beyond the short-term disability period. 

Where an individual has a serious medical condition such as severe anxiety or depression, for example, he or she would first apply to short-term disability (if such a coverage is available) in addition to long-term disability, which would take over after the short-term disability period has expired and provided that the individual satisfies coverage requirements.  

How can Zeilikman Law help?

A person in Canada who is disabled and in need of either short-term or long-term support may have a valid claim for financial or other support from either a private disability insurance fund or a public system, such as the Ontario Disability Support Program. Let Zeilikman Law help you.

Our disability lawyers are experienced, professional, and determined. We approach these issues with logical and creative solutions. 

Request a consultation to learn more about our long term disability and short term disability legal services!