Cases of long-term disability in Toronto unfortunately are not uncommon.
Accidents in life are a given – especially in cities where life is in a constant
state of hustle and bustle – and they are difficult to plan for since, well, accidents
are usually unexpected. However, one way to help prepare you for life's more
serious accidents, such as car crashes and workplace mishaps, is to familiarize
yourself with the top-notch
personal injury lawyers
in Toronto and the GTA.
Defining "Personal Injury”
The phrase "personal injury” refers to any type of physical, mental, or
emotional injury inflicted upon an individual as a result of another party's
negligence. The other party does not have to be another individual but may also
be a business or organization. Typically, harm is not intentional and is
usually caused by another's irresponsibility. For example, if a homeowner does
not maintain their walkway during the winter, the mailman can slip and fall and
suffer an injury due to ice buildup. However, personal injuries may be incurred
in more intentional, or rather reckless ways, such as hit-and-run car accidents
and cases of any type of assault. Ultimately, the classification of "personal
injury” is based more so on the result rather than the cause. An experienced
personal injury lawyer will be well informed and able to classify if whether or
not your case is claimable as a "personal injury.”
Types of Personal Injury
There are many types of accidents that result in personal injury. The
term encompasses cases such as:
- Car accidents
- Work injuries
- Product defects
- Industrial disease
- Medical and dental negligence
- Host negligence
- Slip and fall
Unfortunately, instances where harm is intentional do occur. The phrase
"personal injury” also includes cases
such as robbery, physical, and sexual assault.
More often than not, instances where personal injury has occurred –
whether it is due to recklessness or malicious intent – the victim suffers from
a long-term disability. In these cases, it is highly recommended that the
victim hires the help of a professional personal injury lawyer to ensure they
receive some justice and compensation for the debilitating circumstances.
Defining "Long-Term Disability”
The phrase "long-term disability” involves any injury – physical,
emotional, and mental – of an individual that results in their inability to
perform any occupation within a certain time frame from when the accident occurred.
In Canada, it is typically within the first two years. To be considered as
someone with a long-term disability requires you to submit medical information
that has been produced by a medical physician. Typically, the insurance company
will require you to be examined by their "approved” physician. You may also be
required to see more than one doctor. As
well, most insurance companies will require you to be regularly examined by a
physician, not only initially after the accident.
The process of
long-term disability claims
is tedious and is emotionally and mentally
exhausting for the victim. Being unaware of a deadline or how to properly
complete and submit forms can not only prolong the process but can also cost
you your justice, in that your fair compensation may be diminished or your
claim may be denied. Speak with a personal injury lawyer who is experienced in
long-term disability claims to save yourself the hassle and ensure your justice.