Long term disability insurance is a form of insurance that insures an employee's income in the event that a disability or chronic illness prevents him/her from performing their occupation. Such individuals may require custodial care, intermediate care or skilled nursing as a result of their illness or injury.
Custodial Care refers to assistance given to patients who need help with daily activities but do not require everyday medical support.
Intermediate Care refers to aid given patients who, due to illness or injury, will require moderate daily attention yet still maintain some level of stability.
Skilled Nursing refers to round the clock care as mandated by a physician to treat severe illness or injuries either at home or in a care facility.
Long term care insurance protects workers from being forced to sell personal or business assets in order to cover the cost of long term disability care. Long term care insurance may provide disability benefits up to age 80, whereas critical illness insurance generally provides long term disability benefits until age 65.
Long term disability (LTD) care in Toronto can provide accommodations at your home, or care facility. The cost of LTD expenses can be overwhelming and so protecting your finances by securing a successful long term disability lawyer such as Jwan Desai will grant you the security you need to take recover both physically and mentally.
As a qualified long term disability Lawyer, Jwan Desai will fight to obtain the maximum benefits legally permitted to ensure you reap the full benefits of your long term disability insurance policy.