Reserve Mines Long Term Disability Lawyers

NOVA Injury Law is a dedicated personal injury firm in Reserve Mines, NS. Our compassionate legal team is ready to help you navigate your long-term disability claim and advocate for the benefits you and your family deserve. From helping you fill out your LTD application, dealing with insurance companies and guiding you through denied claims, NOVA Injury law is 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 Reserve Mines 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 Nova Scotia.
• 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 Nova Scotia
• 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 Nova Scotia

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 Nova Scotia:

• 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 Nova Scotia?

If you have been absent from work due to illness or injury, you can access disability coverage. Benefits often begin with Short Term Disability Benefits coverage before the start of Long Term Disability Benefits. Conditions that qualify for long term disability include arthritis, back pain, bipolar mood disorder, carpel tunnel syndrome, chronic fatigue syndrome, chronic pain, complex regional pain syndrome, Crohn’s Disease, depression, endometriosis, fibromyalgia, headaches & migraines, heart disease, irritable bowel syndrome, lupus, Lyme disease, multiple sclerosis, sleep disorders, substance abuse, vestibular disorders, visual disorders, and physical pain, among others.

▶ Can I be laid off while on Long Term Disability in Nova Scotia?

You cannot be terminated for being on a disability benefits claim. If you are fired while on Long Term Disability or while applying for it, your employer may have discriminated against you due to your disability.

▶ Can I work while on disability in Nova Scotia?

If you receive disability benefits, you can still work and earn money. The money you earn from working will often be offset against the monthly benefit payable by the insurance company. The insurance policy or plan text will explain if there are limits on what you can earn while being on a disability claim.

▶ How do I qualify for Long Term Disability in Nova Scotia?

To qualify for Long Term Disability benefits, you must be totally disabled from the usual duties of your occupation. You will need a doctor to complete a medical report and complete various forms so the insurance company can process your disability benefits claim.

▶ How long can I be on Long Term Disability in Canada?

Most disability claims have a maximum date of age 65. You can expect to receive disability benefits every month you are totally disabled based on the terms of your disability policy or plan text. The usual test is “total disability”, which requires a claimant to prove that they cannot do the usual duties of their own occupation. In many claims, the test changes to a more challenging test to meet: the “any occupation” test.

▶ What is Short Term Disability in Nova Scotia?

Short term Disability (STD) benefits are paid before the Long Term Disability benefit period commences, often 90 or 120 days after the last day worked. 

▶ How much money is a Long Term Disability worth?

A Long Term Disability benefits plan typically pays anywhere from 60% to 80% of your pre-disability earnings, up to a maximum amount. The disability payment amount is based on your usual earnings before you leave work to commence disability benefits. In some cases, the disability benefit amount will increase to account for the rising cost of living.

▶ Are Long Term Disability benefits taxable in Nova Scotia?

Disability benefits will be taxable if you don’t pay the entire disability insurance premium. If a benefit is taxable, a portion will be withheld automatically. It is important to know what your disability benefit payment will be so you can plan around your reduced income.

More About Reserve Mines

Reserve Mines is a historic coal mining town located 15 kms from NOVA Injury Law’s office in Sydney. With a population of 2000, Reserve Mines provides opportunities to mix urban and rural activities. Visitors and locals can explore charming shops and restaurants, as well as experience the stunning local trails and beaches.

Call Our Reserve Mines 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!