Three Mistakes People Make When They Are Denied LTD | Disability Law Show TV – S3 E8

Episode Summary

3 MISTAKES PEOPLE MAKE WHEN THEY’RE DENIED LTD on Season 3 Episode 8 of the Disability Law Show with disability lawyer James K. Fireman, 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 or British Columbia, on the only disability law show on TV and radio in Canada.

Episode Notes

Forced to return to work despite no medical approval

A construction worker who was injured was approved for benefits up until the two-year mark then told he could return to work despite no medical justification. His wife appealed the denial several times but was denied.

Segment starts at 2:00

Return to work on a limited basis

My wife broke her arm. She was on her benefits plan from work from March until July and was supposed to have her benefits till September. But for some reason, the insurance company says she should have gone back to work on a limited basis because of what she can lift. Her employer doesn’t agree. What can I do?

Segment starts at 6:25

3 Mistakes people make when they’re denied LTD

1️⃣ They seek advice from people who are ill-informed

This advice can come in many forms, sometimes even from a doctor, as they don’t give legal advice.

Segment starts at 10:08

2️⃣ They appeal the denial claim

An appeal is an internal process that is usually unsuccessful.

Segment starts at 12:24

3️⃣ They accept the insurance company’s decision

Many people are intimidated by insurance companies and they feel like they have no other options.

Segment starts at 14:05

Cut off from LTD due to daily life activities

My brother suffers from major depression, anxiety, and a phobia that prevents him from spending time out in public. He sees a psychiatrist and takes medication. His insurance company said that they’re cutting him off long term disability after two-and-a-half years because they claim to have surveillance showing him helping me move into a new apartment. What can we do?

Segment starts at 16:44

► Missed the LTD application deadline

Missed the LTD application deadline

My 58-year-old father suffered a stroke last year. Because of everything we’ve been dealing with we’ve missed the time for applying for LTD by 10 days and the insurer denied his claim because of that. His wife who is disabled herself is left with very little income. Should we appeal?

Segment starts at 23:17

Cut off from benefits as I can work another job

I’m 57 and I’ve been off work for nearly 2 years due to back and hip issues. I’ve undergone lots of different treatments but I’m at a point where I need back surgery. Due to COVID, my surgery is not scheduled until next year. My surgeon tells me there will be months of recovery after that, but my insurance company is cutting me off next month at the 2-year mark. They say I can work a sedentary or light duty job instead. Can you help?

Segment starts at 27:00

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Next Episode: Disability Law Show S3 E9 – 3 Things your doctor can write for LTD approval

Previous Episode: Disability Law Show S3 E7 – Five disadvantages insurance companies have