*WHAT YOU SHOULDN'T TELL AN INSURANCE ADJUSTER* on the Disability Law Show with Disability Lawyers Sivan Tumarkin and James K. Fireman. Learn how to fight back against the insurance company and get what you're owed in Ontario, British Columbia, and Alberta on Season 1 Episode 13 of the only disability law show on TV in Canada.
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*FEATURED ON THIS EPISODE...*
0:00 Intro
2:02 *Recent Success Story*
Sivan Tumarkin discusses the experience a marketing executive had with her long-term disability insurance provider who denied her claim because they disagreed with her doctors' recommendations.
4:45 *Enduring Repeated LTD Denials Amid Financial Strain*
I applied for long-term disability when I became sick. I was denied long-term disability due to “insufficient information” even though I had support from my doctor and psychiatrist. I appealed the LTD denial and was denied a second time. They’re looking into it again, but I’m running out of money. This whole process has taken over a year and a half. Should I appeal an LTD denial?
11:47 *Top 3 Things You Should Absolutely NOT Tell Your Insurance Adjuster*
12:59 1️⃣ That you’re generally feeling better than you really are
14:46 2️⃣ That you’re not complying with treatments because you’ve simply given up
17:14 3️⃣ That you think you’ll be ready to go back to work when your doctor advises that you should not
21:08 *LTD Denial Amid PTSD Struggles Post Assault*
Last year my son was injured in an assault. His therapist and psychologist say he has PTSD, and he can’t go back to work. He was denied LTD because the insurance company feels that he can go back to work. He’s all but given up and I’m afraid that he’ll become suicidal.
26:18 *Traveling For IME Requested by Insurer*
Does a disabled person have to travel for hours (let’s say 5 or 6 hours) just to see an insurance doctor for an assessment that’s been arranged by the insurance company?
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