Disability Law Show: Ontario – S4 E50

Episode Summary

What should doctors include in a report for an insurance company? Disability lawyer and partner Tamar Agopian at Samfiru Tumarkin LLP answers this question and more on the Disability Law Show on 640 Toronto and Newstalk 580 CFRA.

Listen below to discover important information about your rights and a guide through the proper steps to take when your insurance provider cuts off your long-term disability or denies your insurance claim.

When you need a disability lawyer in Ontario, Tamar and her team can get you the advice you need, and the compensation you deserve.

Listen to the Episode

Show Notes

• Multiple appeals but denied long-term disability due to form issues: It is important to remember that the appeals process was created by insurance companies in order to keep the power and influence with their company and not the claimant. It is recommended that claimants file a legal claim if they are unable to work but have been denied benefits.
• Denied LTD as the claimant can do daily activities despite neurological condition: Insurance companies in some instances will choose to focus on the abilities a claimant does still have. It is important to determine the functionality of a claimant and what they are able to do and the severity of the disability. While there can be objective medical evidence, it is important for doctors to specify how a claimant is unable to work and the limits to their abilities in a detailed report for the insurer.
• Disability benefits are typically part of a group disability plan by an employer: In the event that a disability claim has been denied, many claimants believe that their employer had a say in the denial. This is typically untrue and inaccurate. An employer does pay the premium and is informed of a claim’s approval or denial as well as answers some questions from the insurance adjuster regarding the employee’s reliability and performance.
• Definition of disability for benefits and claimants: It is important when applying for long-term disability for claimants to look closely at their disability policies and determine the specific language included and how to receive approval or a reason for denial. Claimants should not give up their rights and can ask their insurer for a copy of their policy.