Disability Law Show: Ontario – S4 E32

Episode Summary

Can your insurer contact your treating doctors? What is the importance of documenting communication? Disability lawyer and partner Tamar Agopian at Samfiru Tumarkin LLP answers these questions and more on the Disability Law Show on Newstalk 1010 in Toronto.

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.

When you need a disability lawyer in Ontario, James and his team can get you the advice you need, and the compensation you deserve.

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Show Notes

• Denied LTD benefits as a result of non-compliance: Claimants are obligated to follow the provisions outlined in their long-term disability policies. It is important to keep the insurance company updated with all medical documentation and reports. Claimants should document all communication with the insurance adjuster so that if and when there is a new adjuster appointed to a file, there is a record in order to strengthen a claim.
• After a serious back injury and arthritis, health deteriorates but LTD is cut off: After two years of long-term disability, the test in order to qualify for benefits changes from an inability to work in an individual’s own occupation to any occupation. The onus is put on the insurance company to show that a claimant can work in positions they are trained for and can earn a commensurate wage.
  
• Provide a copy of the most recent specialist report to the insurer: It is in a claimant’s best interest to provide the insurance company with the most detailed reports of their medical history. The insurance company should have a full picture of a claimant’s overall health as there are many components that can influence their ability to work in the future. Insurance companies have always been able to contact a claimant’s doctor and ask their opinion.