Three Rivers Long Term Disability Lawyers

NOVA Injury Law is an accomplished personal injury firm in the Town of Three Rivers, PEI. Here, our lawyers navigate long-term disability claims with precision and compassion. Whether you need assistance with an LTD application, navigating a denied claim, or dealing with an insurance provider – we are here to help.

Learn more about NOVA Injury Law, check out our nearest office, and feel free to give us a call!

Can’t make it to our office? No problem! If so, our team will come to you!

About Our Three Rivers LTD Lawyers

Many think of long-term disabilities as injuries caused by workplace accidents. However, illnesses also qualify as long-term disability issues. A long-term disability could keep you out of work for three years or longer. Most people do not have the financial reserves to support themselves or their families without working for such a long period of time. If you have long-term disability insurance, it should cover a percentage of your wages. However, insurance companies are out to make a profit and will do as much as they can to avoid paying a claim, including insisting that your disability is “in your head.” If you need to apply for disability insurance or appeal a denial, fill out this form for a free case evaluation.

Wondering what sets us apart?

• We’re the only injury firm with our own in-house physician to help you create a bullet-proof case.
• We offer free consultations with no obligation.
• Technology allows us to easily communicate with clients anywhere, from small towns to large cities. However, if you prefer in-person consults, we proudly offer complimentary house-calls anywhere in Prince Edward Island.
• Our payment is contingent on winning your case (no win, no fee), so you can focus on recovery.

Types of Disability Claims

NOVA Injury Law’s disability lawyers have helped clients with a variety of types of disabilities. These include, but are not limited to:

• Long-term disability claim denials in Prince Edward Island
• Appealing LTD denials
• Being forced to return to work
• Short-term disability claims
• Chronic pain
• Invisible illness
• Anxiety disorders
• Depression
• COVID-19 long haulers
• Fibromyalgia
• Arthritis
• Cancer
• Migraines and headaches
• Terminations due to illness or injury
  
  

Denials by Insurance Companies in Prince Edward Island

NOVA Injury Law has successfully represented countless clients after their long-term disability claims were denied. The following are some of the insurance companies that operate in Prince Edward Island:

• Allstate
• Assumption Life (Assumption Group)
• Beneva (formerly La Capitale and SSQ Insurance)
• Canada Life
• Cigna Life
• The Co-operators
• CUMIS Life
• Desjardins Insurance
• Edge Benefits (BeniPlus)
• Empire Life
• Equitable Life
• Fenchurch General
• First Canadian
• Industrial Alliance
• Knights of Columbus
• Manulife
• Medavie Blue Cross
• National Bank Insurance
• RBC Insurance
• SISIP Financial
• Sun Life
• Wawanesa

Three Steps to Get Started Today

 

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Disability FAQs

▶ What conditions qualify for long-term disability in Canada?

If you have been absent from work during the past few months due to illness or injury. You may be eligible for benefits under the Long Term Disability Plan (LTD) if you are unable to return to full duties following the expiration of the STIIP period.

▶ Can I be laid off while on long-term disability in Canada?

You cannot be terminated for cause while claiming LTD benefits in Canada. If you are fired while on long-term disability or while applying for it, your employer may be violating the Human Rights Code

▶ Can I work while on disability in Canada?

If you have a disability and get assistance, you can still work and earn money. Money you earn, up to a certain amount, does not change the amount on your monthly payment, so long as you don’t exceed the annual limit. You can earn money anytime during the year, with no monthly limit.

▶ How do I qualify for long term disability in Prince Edward Island?

To qualify, the injury or illness must be directly related to your job, and your employer should be registered with the Worker’s Compensation Board of PEI. Worker’s Compensation Board of PEI offers wage loss benefits that cover 90% of your net earnings, up to a maximum of $78,400 annually.

▶ How long can I be on long term disability in Canada?

There is a standard benefit period of two to five years, or for as long as you have a disability until the age of 65. Other factors that may affect the duration for which you may claim long-term disability include income and age.

▶ What is short term disability in Prince Edward Island?

Short Term Disability (STD) benefits and Long Term Disability (LTD) benefits amounts are paid monthly based on a percentage of your regular basic gross earnings at the time of the injury. (Over-time and bonus pay is not a factor.) The usual percentage is 2/3 your gross earnings up to a particular maximum amount.

▶ How much money is long-term disability?

A long-term disability plan typically pays anywhere from 50% to 80% of your pre-disability earnings, up to a maximum amount. These earnings are usually the monthly wages or salary you were earning before you became disabled, but some policies include bonuses, commissions, and overtime compensation as well.

More About Three Rivers

The Town of Three Rivers is located 45 kms from NOVA Injury Law’s office in Charlottetown. Three Rivers offers a blend of community spirit, cultural heritage and scenic views. Situated along the Montague River, there are many opportunities for its 8000 residents to participate in outdoor activities including biking, fishing and kayaking.

Call Our Three Rivers Long Term Disability Lawyers Today!

Ready to talk? Call our disability lawyers at NOVA Injury Law today to book your free case evaluation and strategy session!