Disability insurance (short-term and long-term) can help protect an individual and his/her family from an unexpected illness or accident that leaves a person unable to work and earn an income.

Generally, disability insurance replaces between 60% and 85% of one's regular income. LTD insurance benefits generally begin when the following benefits end:
- short-term disability insurance;
- sick leave benefits from your employer; and
- employee insurance ("EI") benefits.

Most LTD plans will replace 60% to 70% of an individual's normal income. Each disability plan is different. Some may provide disability benefits for up to 2 years if a person is unable to return to the job he/she had before becoming disabled. After 2 years, a person may continue to receive benefits only if he/she is unable to work at any job.

Unfortunately, a lot of times the insurance company might deny someone’s application for disability benefits, even when it is a legitimate claim. This is where our experienced Disability Lawyers team can jump in and represent your interest, obtain the necessary medical examinations and opinions, and get retroactive and future benefits for you.

The KSW Disability Team takes most of these files on a contingency basis, meaning you don’t pay anything until you get a settlement!

Learn more about LTD Claims in our detailed Articles in the Learning Section covering the following topics: