GUIDE TO RETURNING FROM LTD on the Disability Law Show with disability lawyer and co-founding Partner Sivan Tumarkin. Learn how to fight back against the insurance company and get what you're owed on Season 5 Episode 30 of the only disability law show on TV in Canada.

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📧 help@disabilityrights.ca
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*FEATURED ON THIS EPISODE...*

0:00 - Intro

🔹Mild diagnosis of condition - 1:34
I was diagnosed with osteoarthritis and COPD and have been on LTD for almost a year. My insurer is sending me to a 2-month rehabilitation program. I am in an incredible amount of pain despite the "mild" diagnosis. What are my options?

📞 Settlement from disability insurer - 9:44
Caller from [ Ссылка ]: “My wife was recently diagnosed with lupus but was denied long-term disability. Should we continue to pursue regular benefits, or would it be better for her to ask for a settlement?”

▶️ Guide to returning to work from LTD:

1️⃣ Confirm the support of treating medical professionals regarding a return. Insurers can’t force a claimant to return to work before they are ready. - 14:43

2️⃣ Provide detailed accommodations and restrictions to your employer. - 17:25

3️⃣ If a return to work is unsuccessful, benefits can resume through a recurrence clause in most disability policies. - 18:35

📧 Repeated appeal attempts - 21:39
EMAIL from Help@DisabilityRights.ca: I work in the manufacturing industry and have been off work for a year due to a back injury. I applied for LTD shortly after going on leave but was denied. I’ve just sent in my second appeal, but I’m worried I will be denied again. Do I have any other options?

❓Approval for LTD after short-term disability - 25:16
[ Ссылка ]: I’ve been receiving short-term disability for an ongoing mental health issue. My doctors believe I’m still not ready for a return to work and my health would regress. If I apply for LTD, is approval automatic?

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