Top 5 Insurance Company Weaknesses | Disability Law Show TV – S1 E3

Episode Summary

TOP 5 INSURANCE COMPANY WEAKNESSES and more on Season 1 Episode 3 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

Disability Claim Denied, Appeal Failed

A man in his 50s, suffering from mental illnesses and physical issues. He went on long-term disability for over one year. At the two year mark, his long-term disability claim was denied. He appealed the decision, and was denied again.

The segment starts at 1:39

2-year LTD Cut Off and Return to Work

I have been off work for 3 years. I was on long-term disability for 2 years before being cut off. I’m fighting to get my benefits reinstated. If my health improves at some point, does my employer have to take me back?

The segment starts at 5:50

TOP 5 INSURANCE COMPANY WEAKNESSES

1️⃣ Adjusters have a large number of files, and don’t know your case inside out

Segment starts at 9:48

2️⃣ Insurance companies care about the bottom line only

Segment starts at 11:25

3️⃣ Insurance companies rely on a power imbalance. You are vulnerable, and they know it

Segment starts at 12:43

4️⃣ Insurance companies focus on fraud and how rampant it is to dissuade legitimate claims

Segment starts at 13:56

5️⃣ Insurance companies make many mistakes when adjusting files

Segment starts at 15:24

Missed 30-day Deadline to Appeal LTD Denial

I was initially denied long term disability a year ago and I didn’t do anything about it. I figured there was no point in appealing the denial, which you say all the time. I had 30 days to appeal back then. Do I still have time to do anything about it now, or am I out of luck because I missed the 30 day deadline?

Segment starts at 18:38

Why Insurance Companies Often Deny LTD Claims

Why are mental illness claims often denied by long-term disability insurers, and how does somebody maximize the chance that their claim won’t be denied?

Segment starts at 20:57

PTSD Disability Claim Denied, Not “Totally Disabled”

My brother has PTSD and recently had his long-term disability claim rejected by his insurer because they say that he is not “totally disabled” from working. He appealed and was rejected again. He is a paramedic, which is a very stressful job. I’m worried that he’ll keep getting worse if he continues dealing with this insurance company. What do you think he should do?

Segment starts at 23:43

Explanation of Bad Faith Damages and Punitive Damages

You’ve spoken before about “Bad Faith” damages, or punitive damages, that some disabled individuals may be able to claim from insurance companies who deny legitimate claims. Can you explain this a bit more?

Segment starts at 26:23

NEXT EPISODE: Disability Law Show S1 E4 – Reasons Why You Shouldn’t Appeal an LTD Denial

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

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