Disability Law Show – Season 8 Episode 2

Episode Summary

3 Signs Your Insurer is Preparing Deny Your Disability Claim on Season 8 Episode 2, the Disability Law Show with Disability Lawyer and Nation Co-Managing Partner, Sivan Tumarkin.

Watch above to discover the steps you must take when the insurance company cuts off or denies your long-term disability claim anywhere in Canada, on the only disability law show on TV and radio in the country.

Episode Notes

Claim Denied & Can’t Afford A Lawyer?

What options does someone have if their disability claim is denied, but they can’t afford to hire a lawyer to fight back against the insurance company for compensation?

• Disability claim denials: If denied disability benefits, an individual can choose to take no action. However, it is far more beneficial to file a claim with the help of a disability lawyer. Claimants have up to two years after their benefits have been denied to pursue entitlements. Individuals often do not have to pay any legal fees at the start of the legal process, and can pay through a contingency agreement.

Signs your Insurer is Going to Deny Your Disability Claim

• Requesting additional paperwork: The disability insurer will often request detailed, updated medical records. Claimants should ensure all medical documentation is provided; however, they can push back if an adjuster is being unreasonable. Speaking to a disability lawyer can help ensure a claimant is protecting their rights.
• You’re being watched: Insurance companies can hire private investigators to surveil claimants who are on long-term disability. Claimants who feel something is wrong or their privacy is being invaded can seek legal advice.
• Own doctors for assessments: Individuals on claim are often requested to attend an independent medical assessment by their insurers. These assessments are typically conducted by consultants who are paid by the insurer. Due to this, it is rarely an objective process.

LTD Claim for Post-Concussion Syndrome

I’ve been off work due to post-concussion syndrome. My LTD claim was denied, and my appeal was also rejected. I collected EI, but it’s now exhausted, leaving me with no income. I’m waiting to hear back on my second appeal, but I feel it’s hopeless. What can I do?

• Multiple appeal attempts: Insurers created the appeals process; however, it is rarely successful for claimants. Appeals are often conducted by the same adjuster who initially denied benefits. Appeals waste valuable time for those who have been denied benefits.

Insurance Company asking about CPPD

After almost a year on long-term disability due to a chronic medical issue, my insurer has asked me to sign a letter to allow them to estimate my CPPD payments. I haven’t received an approval or denial from CPPD yet. What should I do here? Will a denial of CPPD impact my benefits?

• CPP Disability claim: Insurers do not need a claimant’s approval to estimate and deduct potential benefits from CPP Disability. A denial of CPP Disability does not lead to an automatic denial or cut-off from long-term disability benefits.

PREVIOUS EPISODE: Disability Law Show S8 E1