Check Long-Term Disability Benefits When You are not an Employee

Long-term disability insurance, also known as LTD comprises a portion of an employee’s income when he or she fails to work owing to serious health issues. According to the program, one can get around 50 to 70% of your gross salary during this particular leave of absence. However, a lot of people happen to claim the benefits of this insurance, even when they are no longer an employee of their respective companies.

Every year, a huge mass of people come with the same problem to the professional Toronto employment lawyer. Albeit, they have different reasons, the focal point remains same, i.e. claiming of an LTD after getting termination by an employer.

If you are an employed individual, it’s high time, you suffice your grey cells with this much controversial topic. Here’s an overview of the disability insurance and its overlook employee benefit drafted by a prominent Toronto employment lawyer:

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  • Defining the Disability

When a regular employee fails to make it work for a long period, LTD kicks in. Depending on the age of an employee at the time of this disability, the employee provides the benefits of LTD. In Toronto, the benefits of this insurance are paid up to the age of 65 years during the phase of long-term disability.

According to the professional Toronto employment lawyer, the payable amount is calculated on the ground of an employee’s basic compensation prior to the disability. You must be thinking, with such benefits, what’s the underlying problem that keeps bothering people.

Here comes the catch point. At times people claim to claim the benefits even when they are no longer in association with their companies. They need to understand, there’s a certain allowance of period when it comes to leave of absence. For instance, if an employee doesn’t work for more than 24 months, the employer has the right to terminate the employee. In such cases, he can’t claim his benefits of LTD.

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  • Coverage Terms and Responsibilities

Almost all the companies provide disability insurance to their employees. Generally, it is funded by a third party insurer. Depending on a person’s designation and career graph, they can opt for tailor-made plans and benefits. You can consult a Toronto employment lawyer to help you choose the best plan of LTD. Some of the benefits you  can expect are:

  1. Starts after a period of 90 to 180 days after signing the deal
  2. Can meet all your financial needs during the phase of disability
  3. Hassle-free process

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However, you need to meet certain criteria before you get these advantages:

  1. You have to work for minimum 30 hours every week
  2. Even when the coverage comes in vogue, you have to maintain a regular working hour

You can get all these done with the aid of a professional lawyer. He will help you to understand the terms and conditions related to this policy. An estimable Toronto employment lawyer can even come to rescue during the phase of unemployment. So, before you hit the rock bottom, get a lawyer today. Not to forget, prevention is always better than fighting legal cases.

The Different DUI Offences

DUI which stands for Driving under the Influence (DUI) is considered to be a serious legal offence. If you or your loved one has been charged of DUI, you must be aware that the legal process is very difficult to handle. As the DUI laws are a bit complex, it would be better if one take the help of DUI lawyer Toronto. The lawyers being highly skilled can easily help their clients to navigate through the legal process.

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Take the Help of Experts

As you might be well aware of the fact that the DUI laws are bit complicated, one needs to have a proper idea about the different types of offenses. Once one gets well-versed with the DUI offences, one gets to know how it can affect them or not.

Well, studies have shown that there are several types of DUI cases and depending on the seriousness of the case, punishment is provided. For instance, for a first time DUI offense a person might receive less harsh statement. However, it won’t be the case for a second time DUI offense. Now, take a look into the different type of DUI offences in details.


According to DUI lawyer Toronto, a DUI felony can arise if the accused person’s drunk driving results in an accident with another vehicle or a person. The sentence associated with felony can be one year or more prison term. Sometimes, restoration of the accident victim can be asked. Similarly, carrying a revoked license and still committing DUI can force a person to get charged of felony DUI.

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When a person is charged for driving under the influence of alcohol, it would be considered as a misdemeanor; especially if it is the first offense. The length of punishment can vary, such as different jail term and fine. However, it won’t lead to the loss of civil rights.

Aggravated DUI

A DUI charge can get worse if the accused person is found to break the law in one or more ways. For instance, DUI lawyer Toronto states that if a person is found to be speeding while driving under the influence of a substance, then the person might be charged for an aggravated DUI.

Drunk Biking

A DUI offense is also applicable in case a person is found to be driving a bike or bicycle while remaining intoxicated.

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Drugged Driving

DUI lawyer Toronto states that a person might be considered to be guilty of DUI, in case they are found to be guilty at the time of arrest.  As it is not easy to check if a person is under the influence of drugs or not, law enforcement authorities can charge a lawyer on the grounds of impairment.

Commercial DUI Laws

If one is charged of drinking at work, it can be very disastrous. However, if one’s job needs to drive then it’s important to follow the DUI regulations. DUI attorneys state that it’s better if one tries to avoid drinking while driving. Being charged for being drunk can lead to the loss of license of transport vehicle drivers.

For a DUI lawyer Toronto, any kind of DUI charge calls for a jail term and fine. Hence, when you are facing a DUI charge always take the help of a professional attorney.