Addiction and Long-term Disability

In Ontario, Alberta and British Columbia, addictions are generally considered to be an illness. When an employee succumbs to an addiction, they may be able to access their long-term disability insurance benefits, depending on the the rules and exclusions contained within their insurance policy.

So long as the individual complies with medical treatment recommended by their doctor(s), addiction to substances like alcohol and drugs would allow the them to obtain compensation from their group policy benefits plan.

The insurance company providing the long-term disability benefits may decide that, despite full support from your medical doctors, you do not qualify for or should no longer be on long-term disability due to addiction. They will often deny claims due to one of a number of reasons, including the belief that you don’t have enough medical documentation, or that you are actually well enough to continue working.

If your insurance provider does deny your long-term disability claim for any reason, talk to the disability lawyers at Samfiru Tumarkin LLP first before accepting their decision and walking away from the compensation that is owed to you. Over the years, our respected team has recovered millions of dollars in settlements for clients, and have resolved both simple and complex cases efficiently and as quickly as possible.

Keep in mind that you have 2 years from the moment of a long-term disability claim denial to file a claim seeking full compensation from the insurance company. Contact us online or call 1-855-821-5900 today.

Find Out If You Have a Case

If your long-term disability claim has been incorrectly denied or cut off, we can enforce your disability rights and get what you're owed.

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Areas Served in Canada

Our team of experienced disability lawyers can help individuals in all Canadian provinces (excluding Quebec) when their long-term disability benefits are denied or cut off.

Alberta • British Columbia • Manitoba • New Brunswick • Newfoundland & Labrador • Nova Scotia • Ontario • P.E.I. • Saskatchewan

See What Our Clients Are Saying

I contacted Sivan Tumarkin because my insurance company denied benefits to my paraplegic son. Prior to contacting Sivan, I had reached out to several other law firms. I was thrilled when he took on our case. The entire team went above and beyond to fight the insurance company. I recommend the firm to anyone in need of a disability lawyer to resolve an insurance issue.
Coleen Murphy Mother of Mitch Murphy
  • 5 / 5
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James Fireman was incredible to work with! He was so passionate about my case and worked diligently, making all the right moves. He got my insurance company to overturn their decision to deny my LTD claim. Thank you for your efforts.
Julie Austin Teacher
  • 5 / 5
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From the first day we met Sivan we knew we were at the right place. He treated us with dignity and respect. He listened to us and addressed any questions or concerns we had. Thanks again Samfiru Tumarkin LLP. I would not hesitate to recommend this firm to anyone.
Nick D.
  • 5 / 5
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My case was complex and Albert Klein did everything to help me get through a disability claim. I was not in a position to pay an LTD lawyer and a contingency agreement was arranged. Albert listened to all my woes, and I cannot say enough of the professionalism.
Bonnie M.
  • 5 / 5
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When my LTD was cut off I thought I had lost everything in my life. Then I met with James Fireman. He always answered my questions and made sure I fully understood all details. When he told me the amount he had settled my case for, I was speechless. My family and I thank you with all our hearts.
Derek P.
  • 5 / 5
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Consult with Samfiru Tumarkin LLP. We are one of Canada's most experienced and trusted employment, labour and disability law firms. Take advantage of our years of experience and success in the courtroom and at the negotiating table.

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