Yordan Lyanchev

Disability Insurance Claims The risk of an injury is real and a possible one might cause you plenty of issues. Nowadays having a stable insurance is a must but sometimes it is not enough to feel safe if you are put on the sidelines for weeks and even months. Your whole household might be in danger, so you need to think wisely when you operate with insurance companies and you should consider hiring an experienced lawyer. Different Options to Be Insured in Ontario! 1. Ontario Disability Support Program (ODSP) – if you do not have any insurance, this is a Provincial government program to provide support if you have experienced an injury. 2. Private companies cover loss of income. Short Term Disability (STD) will cover the potential loss for few weeks, while Long Term Disability (LTD) will cover your income for months or even years. 3. Employment Insurance (EI) – your income will be covered by the Federal government if you are injured or ill for up to 119 days. 4. Workplace Safety and Insurance Board (WSIB) – covers injuries that occurred on your job. Do You Need a Lawyer? The short answer is yes. Having a contract with a stable insurance company is a great start, but sometimes it is only the beginning. You should feel safe when you put the signature on the paper but there are plenty of cases where the insurance companies have found ways to keep the money and not deliver what was promised. Sometimes there could be a misunderstanding with your medical condition, a mistake on the paper can cause you the money you are owed or a deadline can be missed – all of these (and more) can harm you, so you need to take the extra step. This is a job for a professional. A lawyer, who has specialized in personal injury claims and has the needed experience, will do all the hard work. He or she will make sure that the papers are all in good order, all deadlines are met and they know how the law operates – they will make sure that you receive the appropriate amount for your specific injury. A good lawyer should be prepared to fight for you, as sometimes these cases might turn ugly and you would need to be represented in court. Steps to Follow for the Insurance Claim Number one priority is to require medical help and have them keep documenting every step of the process. Get as detailed as possible – take pictures, write down what you have seen and noticed. If the injury happened at work – contact your personal Supervisor. Aftermath – how did the injury impact your life, your family, your environment? List everything, even the smallest pain and injury. This may have a crucial effect on the final decision.