The Option of Not Returning to Work after LTD in Canada
When Canadians face injuries or illnesses that prevent them from working, long term disability (LTD) benefits become a crucial lifeline, covering necessities and other expenses when wages are lost due to the inability to work.
Unfortunately, insurance companies usually prioritize their bottom line over a policyholder’s welfare. When you’re pressured to return to work before you feel ready, it’s possible that your insurance company is just trying to minimize their payout obligations.
Please understand that you cannot be forced to return to work if you don’t feel ready to do so. Not returning to work after long term disability is an option, and our comprehensive guide will help you navigate this process.
Not returning to work after long term disability? Share Lawyers will help you understand your situation and explore your options.
What To Know About Not Returning to Work After Long Term Disability
In an attempt to pressure you to return to work as soon as possible, your insurance company might make you undergo a functional capacity evaluation with one of their doctors.
However, there are many justifiable reasons for not returning to work after long term disability.
- 🩺 Persistent Health Challenges: Ongoing health conditions make returning to work difficult. Prioritizing health and well-being is essential to avoid worsening your condition.
- 🌟 Quality of Life Priorities: Focusing on recovery and quality of life is crucial for long-term well-being. Balancing work demands with personal health needs can be challenging.
- 🔄 Risk of Relapse: Returning to work too soon can lead to a relapse or worsening of your condition. Ensuring a stable recovery period reduces the risk of setbacks.
- ⏳ Adequate Rehabilitation Time: Taking the necessary time for physical therapy and other treatments can improve long-term outcomes. Proper rehabilitation can enhance your ability to return to work safely when ready.
- 🧠 Mental Health Considerations: Returning to work prematurely causes stress that can negatively impact mental health. Ensuring mental well-being is as important as physical health during the recovery process.
- ⚖️ Legal Protections & Rights: You have the right to ensure that your return to work is safe and reasonable. Employers are required to provide accommodations under human rights legislation.
What if I’m Not Ready to Return to Work After Long Term Disability?
Regardless of the message you’re receiving from your insurance company, your health and well-being are most important. Consult with your doctor and listen to your body.
If you are pressured to return to work, you have rights and there are ways to protect your benefits.
Your Options When Deciding Not to Return to Work After LTD | |
Medical Evaluation | Your doctor’s assessment is paramount. Obtain detailed medical documentation that clearly outlines your condition and justifies your inability to return to work. This evidence will be crucial for your disability claim and any legal actions. |
Review Your LTD Policy | Understand the specifics of your long term disability insurance policy, including the duration of benefits and any requirements for ongoing medical evaluations. |
Seek Legal Advice | Contact an experienced disability law firm like Share Lawyers to discuss your situation. Our skilled disability lawyers can help you understand your rights, negotiate with your insurance company, and represent you in any disputes. |
Share Lawyers Can Show You the Best Pathway Forward
The team at Share Lawyers understands the pressure and frustration of being urged to return to work before you're ready. Our compassionate team is here to advocate for you, ensuring your health is prioritized and your benefits are protected. Your rights matter, and we'll fight to ensure you get everything you're owed.
Don't face this journey alone. Trust Share Lawyers to protect your interests, provide the support you need, and increase your chances of winning. Let us handle your case so that you can focus on your health. Contact us today for a free consultation.
Share Lawyers Advocates for You
Navigating the complexities of not returning to work after a long term disability can feel like trying to steer a ship through a storm. At Share Lawyers, we are committed to being your lighthouse, guiding you safely through the turbulent waters and prioritizing your well-being.
If you face pressure to return to work before you’re ready or are concerned about losing your benefits, contact us. Our dedicated team will be your anchor, fighting tirelessly to secure the support and benefits you deserve.
“I found Share Lawyers on Facebook in June 2023 after my insurance company abruptly cut off my benefits. I couldn't understand how they could make such a brash decision, as I had already been on long-term disability for two years and had not improved my health. I was left with no income, no potential to return to work any time soon, and getting nowhere with my insurance company. Share Lawyers reviewed my case, took me on, and helped me through a very tough year. They were very responsive, knowledgeable, thorough, and professional, and I am so thankful I found them when I did. In the end, my insurance company settled with me, and I can now breathe a sigh of relief, knowing that I can afford to keep a roof over my head while I focus on healing. I would 1000% recommend them!”
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With over 35 years of experience specializing in disability law, we’ve helped thousands of Canadians protect their benefits. Contact us today for a free consultation, and owe us nothing until you win.
Do you still need more information about not returning to work after long term disability? A quick conversation with one of our lawyers can help you understand your situation and provide a path forward.
Contact Share Lawyers today and let our 35+ years of experience work for you. We can help you win your case againstCanada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. Our legal team offers a free consultation and works on a contingency basis. There are no fees unless you win your case.
