It’s important to choose the right personal injury law firm if you have been injured in a car accident, slipped and fell, or wrongfully denied disability benefits after a medical malpractice incident. With our extensive litigation experience, our persistence, our devotion to clients, and our unwavering dedication, we are a law firm that stands out from the rest. I am honored and privileged to be able to represent injured victims. The testimonials and reviews of our former clients and their families convey a sincere appreciation of what we have done for them.

In addition to personal injury and medical malpractice litigation, Bogoroch & Associates LLP has extensive trial experience. The medical, legal, and insurance issues associated with a motor vehicle accident or medical malpractice claim are complex. We have the confidence and skills to help you navigate the complicated medical, legal, and insurance issues involved.

Providing straightforward, direct, and practical legal advice to our clients is a core value of Bogoroch & Associates LLP.  By doing this, you will not only reduce the strain and stress of litigation, but also provide yourself with a clear path to success.

Our experience, commitment to excellence, and reputation have long been recognized.  We have been recognized as leading personal injury lawyers by The Canadian Legal Expert Directory, founded by Richard M. Bogoroch and Heidi R. Brown .  Mahsa Dabirian has also been named a “one to watch” in the field of personal injury litigation along with Richard and Heidi Wolanski.  Legal Expert Directory and Best Lawyers in Canada are two highly regarded lawyer rating services in Canada.

An employee may be covered for long-term disability under group health insurance plans. There is still a possibility of coverage for employees who have been laid off or terminated from their jobs. Employers are sometimes required to extend the employee’s benefits coverage for a certain period of time. If the employee had LTD benefits while working, they could continue to receive them even after they have been laid off or terminated, at least for a certain period of time.

A LTD policy does not pay benefits immediately. In general, a waiting period of 120 days and up to 6 months must be passed by the insured person after disability onset. Policies differ from one another. A certain period of time may also apply following the end of the waiting period before the insured person can apply for benefits. Nevertheless, applications should be submitted well in advance of the deadline.

What you need to know about applying for LTD benefits

The application package is typically made up of 3 parts:

  1. Member Statement – insured person completes this part
  2. Attending Physician’s Statement – insured person’s doctor completes this part
  3. Employer Statement – insured person’s employer completes this part

An insured person will need a supportive opinion from their treating physician to qualify for LTD benefits. It is not necessary for the Attending Physician’s Statement to provide a diagnosis. Rather, a focus can be placed on how the medical condition affects a person’s ability to work. Obtaining an opinion from a medical specialist is particularly beneficial.

What is the definition of Total Disability?

As long as the insured person meets the policy’s definition of disability, disability benefits should be paid.

In general, group disability benefits cover insured people for 24 months if they are unable to work in their “own occupation” at the time they become disabled.