Reasons Disability Claims are Denied | Disability Law Show TV – S1 E1

Episode Summary

5 REASONS LONG-TERM DISABILITY CLAIMS ARE DENIED and more on Season 1 Episode 1 of the Disability Law Show with disability lawyer Sivan Tumarkin, co-founding 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

Denied Long-Term Disability Because Not Disabled Enough

An ill client was denied long term disability after the insurance company claimed that she wasn’t disabled, despite support from multiple neurologists.

The segment starts at 2:23

Suffering from Depression and Anxiety, Denied LTD

My wife suffers from depression and anxiety and has been seeing a psychologist for over a year. She applied for long-term disability and we just received a denial from the insurance company despite her doctors saying that she can’t work. She’s 46 years old and worked as an account executive at a large ad company. Is there anything we can do?

The segment starts at 5:31

Top 5 Reasons Insurers Give for Denying Claims (and how you should respond)

1️⃣ You are not “totally disabled”

Segment starts at 11:39

2️⃣ Insufficient medical documents supporting your disability

Segment starts at 12:40

3️⃣ There is no formal diagnosis for your disability

Segment starts at 14:57

4️⃣ You can do another job

Segment starts at 17:12

5️⃣ You don’t qualify because of a pre-existing condition

Segment starts at 19:36

Appealing a Long-Term Disability Claim Denial

When people are denied long-term disability, they are often invited to appeal. Should they appeal? Is there an alternative?

Segment starts at 23:28

2-year Mark on LTD for Chronic Pain, Sciatica and Fibromyalgia

My sister is getting long-term disability for chronic pain, sciatica and fibromyalgia. She’s 52 and her insurer wants to pay her up to the 2-year mark and then close her file. Her adjuster is pressuring her to agree, but I think she should call you. What happens if she doesn’t agree to the adjuster’s demands?

Segment starts at 25:49

Long-term Disability Claim Denials for Unionized Employees

If someone is a unionized employee and they’ve been denied long-term disability, should they ask their union to fight the denial or call you instead?

Segment starts at 27:35

NEXT EPISODE: Disability Law Show S1 E2 – Mistakes When Dealing with Insurance Company

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