Disability Law Show: Ontario – S4 E82

Episode Summary

What do disability insurance adjusters make assumptions based on? 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

• Assumptions made by insurance adjuster: Insurance adjusters often make decisions based on information their own consultants provided to them. Usually, independent medical examinations are paid for by the insurance company. At times, consultants are not doctors and claimants are unaware that their insurer has spoken to a private consultant.
• Adjusters should not cause additional stress and harm: Insurance adjusters are obligated to act in good faith with their claimants and should not cause additional stress for a claimant. Adjusters can be aggressive and disrespectful to claimants despite the fact that according to their disability policy, a duty of good faith must be conducted. Claimants that feel communication with their adjuster has led to an exacerbation of their symptoms, can state in writing to their doctors and the insurer about the situation.
• Appealing an LTD denial and waiving of insurance fees: The appeals process is designed in order to keep claimants waiting for a decision and ensure power remains with the insurance company. Appeals are rarely successful and it is much more advantageous for claimants to speak with a disability lawyer if their benefits have been denied or cut off.