Disability Law Show: Alberta & BC – S1 E23

Episode Summary

Do you have to see an insurance-recommended treatment provider? Disability lawyers Sivan Tumarkin and Martin Willemse at Samfiru Tumarkin LLP, answer this question and more on the Disability Law Show on 980 CKNW in Vancouver, 770 CHQR in Calgary and 630 CHED in Edmonton.

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.

Whether you need a BC disability lawyer or disability lawyers in Alberta, Sivan and his team can get you the advice you need, and the compensation you deserve.

Listen to the Episode

Show Notes

• The insurance company referred the claimant to a new treatment provider: Insurance companies that have hand-picked specialists and treatment providers, while they might be the best at their job, are being paid by the insurer. There is a perceived conflict between the interests of the claimant who is disabled and the treatment provider as they are also hired by an insurer that does not necessarily want to continue benefits. This often leads to a treatment provider proclaiming a return to work despite a claimant’s treating doctor.
• Requesting claimant applies for CPP Disability while on LTD: In most disability policies, insurance companies include a provision in which they are permitted to take out credit in accordance with what a claimant could receive from CPPD. Insurance companies typically do push claimants to apply for CPPD around the two-year mark, as the change of definition occurs.
• Profiting sales of the property leads to the cut-off of LTD benefits: Claimants who are denied disability benefits as a result of other income should be able to identify in their long-term disability policy specific provisions that outline what is considered income. In many cases, income that leads to a denial of benefits is not considered passive and must be from active work. The sale of a property is not considered taxable employment income.