Disability Law Show: Ontario – S5 E11

Episode Summary

Can you travel while on long-term disability? 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

• Disability claim with various details: Some disability claims can vary in complexity due to both physical and mental symptoms. Physical ailments can in some cases, be related to mental health claims. Insurance adjusters often deny claims if a claimant was able to work for a period of time, despite ongoing symptoms. Employment and disability issues can often overlap in complex disability claims.
• Travelling despite long-term disability benefits: Disability policies are considered contracts between claimants and the insurance company. A disability policy will outline provisions and terms that dictate whether or not claimants are able to travel out of the country. In some cases, claimants will not be entitled to disability benefits within a certain time period. It is important before a claimant travels, they receive medical clearance from their doctors.
• Working while on long-term disability: Claimants should ensure that their disability policy allows them to work in some capacity and still receive disability benefits. It is imperative that claimants outline with their treating doctor what they are able to do and in what capacity.
• Disability claimant on the wait list for surgery: Insurance adjusters can often pressure claimants to return to work before they are medically ready to do so. Insurers are obligated to continue to pay claimants while they are awaiting and pursuing treatment. Disability policies state that in the first two years of long-term disability, in order to qualify, claimants must prove they are unable to work in their own occupation.