Mistakes people make when denied LTD | Disability Law Show TV – S1 E7

Episode Summary

THREE MISTAKES PEOPLE MAKE WHEN THEY ARE DENIED LONG-TERM DISABILITY, how to catch an adjuster’s mistakes, terminated after denial and more on Season 1 Episode 7 of the Disability Law Show with disability lawyer Sivan Tumarkin, partner 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

Insurance adjuster admits to making errors

What happens if my insurance adjuster denied my long-term disability claim for the wrong reasons, or made mistakes?

Disability lawyer Sivan Tumarkin shares a recent experience his colleague, partner Albert Klein, had when questioning a client’s insurance adjuster. Through a series of thorough questions, Klein discovered that the adjuster made a series of serious mistakes.

The New Formsegment starts at 2:02

Termination with severance after LTD denial

Now that my long-term disability benefits have been cut off, my employer won’t hire me back. Should I take the 17 weeks of severance pay?

Sivan explains how a long-term disability claim denial should and shouldn’t impact your employment. He also remarks on why the severance package may be completely inadequate, resulting in a wrongful dismissal.

The segment starts at 4:46

3 MISTAKES PEOPLE MAKE WHEN THEY ARE DENIED LTD

1️⃣ They give up and accept the insurance company’s decision

Segment starts at 9:43

2️⃣ They appeal the denial through the insurance company

Segment starts at 11:38

3️⃣ They seek advice from the wrong people

Segment starts at 13:05

How to deal with adjuster after LTD cut off 2 years into benefits

My partner has arthritis, depression and fibromyalgia. After 2 years on long-term disability, his payments have been cut because the insurer says that he can go back to work. His doctors say that it isn’t possible. Should we have you write to the adjuster on our behalf? It’s extremely stressful dealing with this insurance company.

Sivan talks about why insurance companies tend to cut off long-term disability claims around the 2-year mark. A disability lawyer can step in and communicate directly with your insurance adjuster to eliminate stress.

The segment starts at 16:55

What is the deadline to start a legal claim after LTD denial?

How long do people have to start a legal claim when they’ve been cut off long-term disability. Does it matter if they have appealed the initial cut off? Does it change the deadline for starting a legal claim?

The segment starts at 22:32

Lost job and long-term disability ending after 2 years

I was just let go from my job. I still haven’t signed the severance papers. I’m currently on long-term disability but that is coming to an end in 3 months because I’ve reached the 2-year mark. I’m just trying to understand what my options are now that I have no job and I am being cut off disability.

The segment starts at 24:57

Can my insurer force me to apply for CPP Disability?

My insurance adjuster says if I don’t get CPP Disability (CPPD) they’ll cut me off. Can they do that?

Sivan talks about CPPD and long-term disability claims, and what to do if your insurance company asks you to apply for CPPD.

The segment starts at 26:51

PREVIOUS EPISODE: Disability Law Show S1 E6 – What You Should NEVER Ask Your Doctor To Do