Disability Law Show 640 Toronto – S6 E35

The 3 things you should do if your insurer says you must go back to work and what does a month to month approval for LTD mean? Find out the answers to this and more on this episode of the Disability Law Show. Discover your rights and the TRUTH about long term disability and personal injury with Sivan Tumarkin and James K. Fireman, Disability Lawyers and Partners at Samfiru Tumarkin LLP, as they guide you through the proper steps to take when your insurance provider cuts off your long-term disability or denies your insurance claim.

In This Episode

What does a month to month approval for LTD mean?

00:25 – The Week That Was
I was approved for ltd affective July 2015 due to depression. My doctor supplied very detailed information. Recently I was told that I was approved on a month to month basis and that I would have to meet with an adjuster.

Can I refuse to attend an independent medical assessment from my insurer?

07:30 – My insurance company cut me off from my benefit payments three months ago. I wrote them a letter and they reinstated but have asked me if I can have an independent medical assessment done with them. Can I refuse?

Should I see a different doctor if my insurance company is requesting I do so?

13:30 – Being sent to an independent assessment from an insurance company is within the rights of most insurance policies, but the examiner is often rushed. Being forced to see a different medical practitioner by your insurance company is not acceptable.

What is the pocket employment lawyer?

19:30 – If you would like to learn more about your own situation before reaching out to contact someone about your matter, use the pocket employment lawyer to determine what your rights are.

3 things you should do if your long-term disability insurance company says that you MUST try to go back to work and you are NOT yet read to

25:28
• 25:37 – Get letters from your doctors explaining why you are not ready to go back to work and send those to your adjuster.
• 28:05 – Email your adjuster and explain why you don’t feel that you are ready to go back to work yet.
• 31:40 – Document all your communications with the adjuster in writing.

I have been denied my LTD claim, and was asked to pay a large retainer with another lawyer to retain their services. Is that normal?

34:10 – I was denied my disability insurance about a year ago and I’ve now appealed it twice. I went to a lawyer who asked for a $5000 retainer, but I can’t afford it. I am about to be evicted from my house and I don’t know what else to do. Can you help me?

Experiencing an Employment Issue?

Before you call a lawyer, use the Pocket Employment Lawyer to find out if you might have a case.

Use The Severance Pay Calculator to find out how much severance pay you may be owed upon termination.

Call 1-855-821-5900, email Help@EmploymentLawyer.ca or fill out a contact form to get help now from an Toronto employment lawyer.

Denied Long Term Disability? We Can Help.

Discover your rights when your Long Term Disability Claim is denied. Find out more here.