Disability Law Show: Ontario – S4 E63

Episode Summary

How should damages be calculated in the event of a personal injury or accident? Disability lawyer and co-managing Partner Sivan Tumarkin and disability lawyer Albert Klein, at Samfiru Tumarkin LLP answer this question and more on the Disability Law Show on 640 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, Sivan and his team can get you the advice you need, and the compensation you deserve.

Listen to the Episode

Show Notes

• How insurance adjusters view claimants: Claimants are often typically viewed by insurance companies as a number and potential fraudsters when applying for long-term disability benefits. Adjusters are not in the business of paying benefits but instead, focus on collecting premiums and must hit certain quotas. For those who are denied benefits and unable to work, legal advice is an option and should be considered.
• Calculating an insurance settlement after an accident: In the event of an accident and injury, many individuals are unable to work or must undergo extensive treatment and recovery. Calculating personal injury damages can be a very difficult process. Prior cases can indicate the amount of damages that should be owed as the extent and type of the injury determines the cost. Pain and suffering damages vary and should also take into consideration the loss of income or assistance needed.
• Re-applying for LTD after two years on benefits: After the first two years of long-term disability, individuals are often cut off from benefits by the insurer as the test in order to qualify for LTD changes to an inability to function in one’s own occupation, to any occupation. Benefits should not be cut off if a claimant is still unable to work after two years; only a doctor can determine if and when an individual is ready to work.