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FAQ’s LTD

Specifics of international private law.
Pranzitelli Law > FAQ’s LTD

We are happy to answer answer question you may have, call us anytime for a free consultation!

How Do I Choose A Lawyer?
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If you live in southern Ontario, you are very fortunate to have a wide array of great lawyers and law firms available to you. Many of our peers and colleagues are just as passionate about the law as we are, and we commend them for that. When you are looking for a lawyer to handle your matter, especially your personal injury matter, it is very important that you meet with the lawyer who will be handling your case. Unfortunately, at many law firms, you may never get the chance to meet your lawyer, and will instead meet with various other employees at a law firm. This may include the intake manager, the law clerk, the legal assistant, the paralegal, but not the lawyer. At Pranzitelli Law firm, we pride ourselves in ensuring that not only will you meet with the lawyer handling your case, but you will also have direct access to them throughout the case. Of course, we have a great team and also rely on our clerks and assistants, however when you want to speak with your lawyer, you will! At Pranzitelli Law Firm, we aim to add the personal touch. We have the experience you need to have a successful outcome, and we will ensure you have a positive experience with our firm throughout the process. If you have any questions, please do not hesitate to contact us. There is always a free consultation, and there is no obligation to sign on with us, until you are comfortable.

Why do I need a Long Term Disability Lawyer?

Filing a claim for LTD can be a difficult, confusing and lengthy process. Each policy is different. Submitting an incomplete or inaccurate application can lead to a claim being denied. A personal injury or disability insurance lawyer can help you understand your policy, notify you of any deadlines, guide you through the claim process, review your forms and documents and deal with the insurance company. This will help ensure that you will get the benefits you deserve in a timely manner. Even when an individual has a legitimate cause for claiming their long-term disability benefits, often insurance companies will initially deny the claim, or offer an amount much lower than asked for.

How much does a LTD Lawyer Cost?

When we take on a Long Term Disability case, we will do so on a CONTINGENCY BASIS. What this means, is that legally, we can only charge you when we recover money for you. And we can only charge a percentage of what you recover. We will not ask you for $1 upfront, or any money throughout the case. We will only take our fee, out of the settlement funds once the case settles. We are proud of this as we want to take the risk with you and put our interests in your case.</p> <p>Remember your initial consultation is free, so please do not hesitate to come meet with us. Contact Pranzitelli Law Firm Today.

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How Long will My LTD case to Settle?

This will often depend on who you are suing and the nature and complexity of your case. After reviewing the specific facts of your case, a lawyer should be able to provide you with some estimate of how long your case will take to resolve. However generally LTD claims are resolved much quicker than other personal injury cases. Often, LTD claims, will proceed directly to mediation and can be resolved within a year.

Contact Pranzitelli Law Firm Today.
WILL MY CASE GO TO TRIAL?
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Most people have a fear of going to trial, and with good reason. Trials are long and stressful and they are unpredictable. As lawyers, we become experienced in them, yet they are still unpredictable and stressful. Rest assured, that a claim can be settled at any time, including before the lawsuit is filed, after the suit is filed, and, of course, before trial is started. Suits and claims can also be settled during or after trial. Statistically, most cases settle before trial and few ever go to trial.

WHAT ARE EXAMINATION FOR DISCOVERY?

In a civil case, the other party will have the opportunity to ask you questions in person. This is not completed at court, but rather a neutral reporting centre. Your lawyer will meet with you beforehand, to prepare you for the procedure of the examination for discovery, so you can have an idea of what to expect.

What is Mediation?

Mediation is a settlement conference, where all parties and their lawyers meet in a conference room to attempt to negotiate a settlement. At mediation, your lawyer will make a brief presentation discussing your side of the case with the mediator (usually a retired lawyer or a judge) and, of course, with the lawyer for the other side and his or her representative (usually the insurance company adjuster). The lawyer for the other side will then make a brief presentation about their side of the case. You are required to attend mediation, but you are not required to say anything or to settle.

What is a Pre-Trial?
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Somewhat similar to a Mediation, a Pre-trial is where all parties and their lawyers meet in the Judge’s chambers in an attempt to negotiate a settlement before the Trial. At Pre-trial, the Judge will already have a vast knowledge of the case, and unlike a mediation, they may make recommendations to a party to settle the case at a certain amount. You are required to attend pre-trial, and often it is a good time to discuss the merits of the case with a good faith attempt to resolve the matter.

If I hire a Lawyer, do I still have to go to Court?
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The vast majority of cases (about 90% to 95%) settle out of court, and so you probably will not be required to attend a trial. Settlements are often achieved through settlement conferences and mediation.

How do I know if I have a Case?
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You need an experienced personal injury lawyer to assess your case and your injuries. At Pranzitelli Law Firm we have the experience to assess cases early and determine if you have a valid case to go forward with. Remember, there is always a free consultation, and if we decide to take on your personal injury case, we do not charge until we have recovered money for you.

What is the Statute of Limitations?
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There are specific time limits, called ``statutes of limitations,`` that govern the period during which you must file a personal injury lawsuit. Timelines can run as soon as 10 days in certain cases, so it is VITAL, that if you are injured in Ontario, you contact a personal injury lawyer as soon as possible. Many timelines are fatal, meaning, if you do not satisfy the requirement within the time limit, your case will be forfeited. When the statute of limitations expires on your case, you are barred from bringing a lawsuit and you simply don't have a case anymore. Statutes of limitations differ according to the kind of lawsuit involved.

Is there a Time Limit I have to start a Lawsuit?
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YES!. There are specific time limits, called ``statutes of limitations,`` that govern the period during which you must file a personal injury lawsuit. Timelines can run as soon as 10 days in certain cases, so it is VITAL, that if you are injured in Ontario, you contact a personal injury lawyer as soon as possible. Many timelines are fatal, meaning, if you do not satisfy the requirement within the time limit, your case will be forfeited. When the statute of limitations expires on your case, you are barred from bringing a lawsuit and you simply don't have a case anymore. Statutes of limitations differ according to the kind of lawsuit involved.

How Much will I Receive while on LTD?

Every case is different. In personal injury cases, you are entitled to compensation for such things as pain and suffering (past and future); lost wages and ability to earn income (past and future); medical and rehabilitation expenses (past and future); disfigurement; disability, and loss of enjoyment of life (past and future). In order to evaluate your personal injury claim, we will have to speak with you and ask you some questions.

When do LTD benefits end?

LTD benefits will end for a number of reasons, including:</p> <p>recovery from the illness or injury, death, retirement, becoming 65 years of age<br /> not submitting proof of ongoing disability, discontinuing professional treatment for the disability, refusing to undergo a medical examination required by the insurance company, refusing to participate in an approved rehabilitation program,<br /> being in prison or a similar institution

What are my responsibilities while receiving LTD benefits?

If your claim is approved you will have a number of responsibilities you must fulfil in order to continue receiving benefits. These may include:</p> <p>following any reasonable treatment options, participating in a rehabilitation program<br /> participating in a return-to-work program, providing additional information such as up-dates from your healthcare providers, informing your insurance provider of any income you receive

How long do LTD insurance benefits last?
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This will depend on your specific policy as every policy is different. Please read your long term disability policy manual to find out the details. Some policies will have a set time frame such as 5, 10, 15 years. Other policies will pay you (so long as you meet the disability test) until you are 65 years old.</p> <p>There are even some policies out there that will pay you for a lifetime! These kind of policies will usually pay you a certain percentage until the age 65 and then a lesser amount for the next 5, 10, 15 years or even for life.

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