Disability Law Show: Alberta & BC – S2 E14

Episode Summary

What leads to a denial of a critical illness claim? Disability lawyer Martin Willemse at Samfiru Tumarkin LLP, answers 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, Martin and his team can get you the advice you need, and the compensation you deserve.

Listen to the Episode

Show Notes

• Critical illness coverage: Critical illness coverage was created in order to assist those who need more coverage beyond extended health coverage. Critical illness coverage is a valuable asset for many to have but is paid in a sole lump-sum settlement, unlike disability benefits. This coverage does not cover all types of illnesses and is typically outlined in the policy.
• Steps after a denial of a critical illness claim: It is crucial for those denied critical illness coverage to seek legal advice from a lawyer. It is vital to speak to anyone who is able to assess the case and the reason for the denial. At times there can be a misrepresentation of coverage which is difficult for insurance companies to prove. Claimants must also have the support of their doctor and treating medical team.
• Terminated employment while on LTD: Often, employment and disability matters can overlap. Claimants while on disability benefits can lose employment and are typically asked to sign a release. Claimants must ensure that their severance entitlements do not include any claims with an insurance company. It is very important for claimants to seek legal advice from those well-versed in both employment and disability law.
• Benefits approved past the change of definition period: After two years of long-term disability benefits, most disability policies will require claimants to prove they are disabled from working in any occupation. Many claimants often experience an end to benefits as the change in the definition period occurs. Claimants should not assume that approval for benefits past two years will mean no more requests for updates from their insurer.