Disability Law Show Bell Radio – S3 E20

Episode Summary

Discover your rights and the truth about insurance companies and long-term disability claims on Season 3 Episode 20 of the Disability Law Show on Newstalk 1010 in Toronto.

Listen below to Tamar Agopian, Disability lawyer at Samfiru Tumarkin LLP, as he guides you through the proper steps to take when your insurance provider cuts off your long-term disability or denies your insurance claim.

Listen to the Episode

Episode Notes

• Many insurance policies include terms that allow claims to be denied or cut off due to the appropriate treatment provision. What does that entail?
• Is it common for insurance companies to miscalculate someone’s LTD benefit amount?  Is this something people who are getting LTD benefits should look out for?
• I have a friend on long-term disability and was in a car accident and had very serious back and neck injuries.  She is struggling with depression and alcoholism and could not maintain her sobriety. Are addiction and depression legitimate causes for being on extended long-term disability?
• If someone is having a hard time with their insurance adjuster can they ask for their claim to be re-assigned to someone else?
• From the isolation and uncertainty of losing my job, I developed anxiety and depression.  I have not been able to work for the past 7 months. My insurer said I had a pre-existing condition because my doctor gave me a prescription for Ativan before I started my new job. I’ve asked to see a copy of the insurance policy, but they refused to give it to me.  Is there anything I can do?
• I have been approved for CPP disability and LTD. I am 57 years old. What happens at age 65?
• I have depression and anxiety. I was denied my disability claim and I contracted COVID-19. I’ve tried to contact my doctor but it’s been hard to get in touch. What should I do? Should I appeal?
• If someone can’t get a hold of their insurance adjuster or case manager, what should they do?