LTD Claims for Covid and Long Covid

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Long-term disability benefits are designed to cover any health condition that prevents you from fulfilling the day to day responsibilities of your job, and COVID-19 is no exception. If the virus (or complications from the virus) prevents you from working for a significant stretch of time you would be able to apply for short-term disability benefits and if your symptoms persist beyond the short-term disability window, you could apply for long-term disability benefits.

As the pandemic continues, there have also been increasing numbers of people suffering from what is called “long COVID.” These “COVID long-haulers” experience symptoms months after the onset of the virus and even after tests no longer detect its presence in their bodies.

Symptoms of “long COVID” include fatigue, heart palpitations, chest pain, shortness of breath, “brain fog”, sleep disorders, fevers, gastrointestinal symptoms, anxiety, and depression. They can persist for months and can range from mild to incapacitating.

Covid and Long Covid Symptoms

A global survey conducted in the fall of 2020 showed that nearly a quarter of people suffering from long COVID were unable to work and had gone on disability or taken medical leave. Of these patients, 85.9 % said they had relapses months after their initial infection, often triggered by some kind of mental or physical exertion.  We want to ensure that you are getting the benefits you deserve while you recover from long-COVID. Don’t accept the insurance company’s excuses.

These cases are usually heavily dependent on obtaining the necessary medical evidence to prove the disability in a way contemplated by the policy in question. Most policies contain time limits that can be difficult to interpret and so as soon as your claim for disability benefits has been denied, we would encourage you to contact our long term disability lawyers to discuss your long term disability dispute case to see if we can be of assistance to you and your family.

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We understand the patience and compassion that is needed to handle such a case, together with the need for sound legal advice. When you are suffering you are not at your best, and need the steady, compassionate advice of experienced Toronto long term disability claim lawyers to assist you in navigating your way to a fair and equitable resolution of your claim.

There are time limits to all claims and any delay in proceeding may be subject to a deadline so you should not delay in proceeding with your claim or obtaining legal advice to clarify these deadlines.

Click here to take a Free Online Assessment now and find out if you have a case.

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