Disability Law Show Bell Radio – S3 E21

Episode Summary

Discover your rights and the truth about insurance companies and long-term disability claims on Season 3 Episode 21 of the Disability Law Show on Newstalk 1010 in Toronto.

Listen below to James K. Fireman, and Tamar Agopian, Disability lawyers 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.

Listen to the Episode

Episode Notes

• I work in a physical job for years and developed a back injury. I was approved for LTD but after a year my insurer sent my file to their own doctor. I was told I’d never go back to work but was sent to a work-hardening program. What can I do?
• If you are getting LTD insurance benefits, is it a bad idea to use social media?  Can the insurance company use what you post on social media to justify cutting off your benefits?
• I’ve been on LTD for the last 3 years because of depression.  A few months ago, I made something of a breakthrough in my treatment and  I’d like to go back to work, but I’m not sure whether I should try. If I decide to, how do I go about making this happen? What happens if things don’t work out?
• I’ve been approved for the 12-month change of definition and am being pushed to apply for CPP Disability. What are the pros and cons of applying?
• What are the most common reasons insurance companies use to cut off claims?
• I’m 39 and used to be a line worker in a plant.  Years ago I had complications with my kidneys requiring multiple surgeries.  I was left with residual chronic back pain.  I was on LTD but my case manager changed and I was eventually cut off. My doctors confirmed I’m not well enough to sustain any kind of physical job. Is it legal for the insurance company to just cut me off out of the blue?