5 THINGS ABOUT LTD CLAIMS THAT EVERYONE SHOULD KNOW on the Disability Law Show with disability lawyer James Fireman. Learn how to fight back against the insurance company and get what you're owed in Ontario, British Columbia, and Alberta on Season 4 Episode 08 of the only disability law show on TV in Canada.
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0:00 - Intro
🔹 Told to work in another position by insurer despite serious risk to health - 1:34
I have a cardiac condition and used to operate heavy machinery. I was approved for LTD for 2 years. After 2 years I was cut off and told to do another job despite my doctor's support that I am unable to work. What can I do?
📧 Approved for CPPD but denied LTD - 6:43
EMAIL from Help@DisabilityRights.ca: “I was in a car accident a few years ago and since then I have had excruciating migraines and constant back pain. As a project manager, this prevents me from being able to work. I’ve been approved for CPP Disability, but my insurance company says that I no longer meet the criteria for LTD, so they’re cutting me off. How is this possible? What can I do?"
• CPP Disability and LTD Claims: [ Ссылка ]
▶️ 5 Things about LTD claims that everyone should know:
1️⃣ Insurance company routinely deny long-term disability claims unjustly and unfairly. These denials CAN be successfully fought! - 12:59
2️⃣ Insurance companies often deny claims (wrongly) on the basis that individuals are not "totally disabled", but “totally disabled” is an invented term that has its own special meaning in the context of LTD. - 14:25
3️⃣ Long-term disability benefits are available not only to claimants with physical disabilities but quite often also to claimants who suffer from mental health issues and illnesses. - 16:30
• Invisible Illnesses and LTD: [ Ссылка ]
4️⃣ Individuals have 2 years from the initial date of denial to pursue a legal claim for compensation for long-term disability. - 18:06
5️⃣ If you are denied LTD, you should contact a disability lawyer as soon as possible. Time is of the essence! - 19:13
❓ Can unionized employees seek advice from a disability lawyer - 23:08
[ Ссылка ]: "If someone is unionized and their union refuses to help them with their long-term disability claim, can they then get help from a disability lawyer?"
📧 Told to appeal by the insurance company after LTD benefits were cut off - 25:56
EMAIL from Help@DisabilityRights.ca: “I am a tradesman and I’ve been on LTD for almost two years. I was cut off recently and was told that I can either appeal the denial, or instead transition to office work. I already have my doctor’s support and I’m not sure what else I can do. Should I appeal? What are my options?"
• Appeals and Long-term Disability Claims: [ Ссылка ]
❓ Uncooperative disability lawyer not keeping claimant updated - 27:06
[ Ссылка ]: "I have a mediation scheduled with my disability lawyer and the insurance company and I’m very nervous. I’ve asked my lawyer for information regarding the mediation, but he continues to be very uncooperative. Do I have reason to worry? I was on LTD for over a year due to a heart condition before my benefits were cut off."
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