Disability Law Show: Ontario – S4 E68

Episode Summary

What options do claimants have when pressured to pay back insurers? 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

• Suffering depression as a result of a stroke but cut off of benefits: It is not uncommon for claimants to be denied benefits or had benefits cut off. Insurance companies in the event of a cut-off from benefits will ask for income statements during the period of time a claimant was receiving benefits in order to determine if they are owed payments from the claimant. Insurance adjusters are obligated to operate in good faith with claimants but often intimidate and behave in an inappropriate manner with claimants.
• Difference between an LTD denial and cut-off from benefits: A denial is an outright refusal to pay benefits after a claimant has applied for LTD. A cut-off from benefits occurs when a claimant who has been receiving LTD is told by an insurer that they will not be receiving benefits after a certain point. Typically, many claimants are cut off from LTD at the two-year mark as the change in definition occurs.
• Advice for doctors with patients on LTD: It is important for doctors who are unsure of the necessary requirements and terminology needed by their patients applying for LTD to speak to a disability lawyer. Medical information and reports must be kept up to date, detailed and specific to a claimant’s inability to work as a result of their medical condition.