Disability Law Show

Mistakes When Dealing with Insurance Company | Disability Law Show TV – S1 E2

Episode Summary

TOP 5 MISTAKES WHEN DEALING WITH THE INSURANCE COMPANY and more on Season 1 Episode 2 of the Disability Law Show with disability lawyers Sivan Tumarkin, and James K. Fireman, partners at Samfiru Tumarkin LLP.

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

Episode Notes

Disability Claim Denial Resolved Quickly

A woman suffering from depression and anxiety had provided a psychologist’s documentation to the insurance company that supported her disability, but was denied a long-term disability claim. Sivan explains how he resolved her claim in less than 6 months.

The segment starts at 1:27

LTD Cut Off and Employer Threatening Termination

I was cut off Long-term Disability by the insurance company after 2.5 years, despite the fact a medical specialist said I still needed time off. My employer said if I didn’t return to work, I would be fired. Do I have any recourse against the insurance company or my employer?

The segment starts at 4:09

Top 5 Mistakes People Make When Dealing with the Insurance Company/Long-term Disability Insurer

1️⃣ Assuming that the adjuster’s first priority is you

Segment starts at 10:10

2️⃣ Assuming that your insurer will take what your doctors say at face value

Segment starts at 11:20

3️⃣ Assuming that once you’re approved for LTD there’s nothing more to be concerned about going forward

Segment starts at 13:04

4️⃣ Assuming that your insurance company is ALWAYS right

Segment starts at 14:37

5️⃣ Assuming that you are powerless against the insurance company

Segment starts at 16:44

Disability Claim Denial at 2 Year Mark

When dealing with long-term disability claims, many people see their claims denied after 2 years. Why is that and can they do anything to get LTD benefits beyond 2 years?

Segment starts at 21:03

Not Enough Medical Information for PTSD Claims

My girlfriend was denied long-term disability because apparently she didn’t have enough medical information submitted. She’s 47 years old, works as a cop and suffers from PTSD because of a shooting she was involved in over a year ago. Her psychologist says that she needs time off indefinitely at this point and she’s on medications and in weekly therapy. The insurance company wrote to her saying that unless a psychiatrist says that she can’t work she won’t qualify. They won’t tell her why they need a psychiatrist and won’t accept her treating psychologist’s opinion. Should she get a psychiatrist involved at this point?

Segment starts at 25:34

Mental Health Disability Claims vs. Personal Injury Claims

Do long-term disability insurers treat mental health claims and physical injury claims differently? If so, why?

Segment starts at 27:16

NEXT EPISODE: Disability Law Show S1 E3 – Top 5 Insurance Company Weaknesses

PREVIOUS EPISODE: Disability Law Show S1 E1 – Reasons Long-term Disability Claims Are Denied

Experiencing an Employment Issue?

Before you call a lawyer, use the Pocket Employment Lawyer to find out if you might have a case, or contact our team today.

Use The Severance Pay Calculator to find out how much severance pay you may be owed upon termination.

Denied Long-term Disability? We Can Help.

Discover your rights when your Long-term Disability Claim is denied. Find out more here.

Advice You Need. Compensation You Deserve.

Consult with Samfiru Tumarkin LLP. We are one of Canada's most experienced and trusted employment, labour and disability law firms. Take advantage of our years of experience and success in the courtroom and at the negotiating table.

Get help now