What is an insurance issue that has been plaguing many during COVID-19?

What is an important detail to remember in dealing with corresponding with an insurance company?

Is accepting a buy out advisable from an insurance company?

A client at 63 years old denied LTD from one of the biggest insurance companies in Canada and instead told to rely on the CERB benefit.

Three things you should consider when your long term insurer tells you to apply for CPP:

With no immediate update from a doctor due to COVID-19, benegits could stop. What do we do?

Appealed and denied LTD twice, what next?

Discover your rights and the TRUTH about long term disability and personal injury. Sivan Tumarkin and Albert Klein, Disability Lawyers at Samfiru Tumarkin LLP, join co-host John Scholes as they guide you through the proper steps to take when your insurance provider cuts off your long-term disability or denies your insurance claim.

In This Episode

Chapter 1:

What is an insurance issue that has been plaguing many during COVID-19?

When the pandemic hit in March, many were forced to cancel trips and suffered cancellation penalties as well as no reimbursements by insurance companies.

Chapter 2:

What is an important detail to remember in dealing with corresponding with an insurance company?


In writing if possible, authorize that the company must have everything in writing and do not rely on verbal communication.

Chapter 3:

I've been on LTD for 3 years. Two attempts to return to work have failed. Long term disability insurance is threatening to cut me off due to an inability to be re-trained for something else. My inabilities are due to stress, depression, relocation for training, etc. At this point, it feels like constant harassment. Is it possible to accept a buy out so I don't feel constant stress anymore?


By virtue of being on LTD for 3 years, you have satisfied the necessary requirements to prove you cannot do any occupation due to a disability. The insurance company's conduct in this situation is egregious and could lead to punitive damages. 

Chapter 4:

A client at 63 years old denied LTD from one of the biggest insurance companies in Canada and instead told to rely on the CERB benefit. 


The insurance company is taking advantage of a government-funded program that is not equipped to deal with these types of situations. 

Chapter 5: 

Three things you should consider when your long term insurer tells you to apply for CPPD:
Do you have to apply and what happens if you don't? 
What are the benefits of applying for CPPD? 
What should you do if your adjuster tells you to apply?

Chapter 6:

My husband has advanced osteoarthritis and inflammation and applied for LTD. He was initially approved late last year but then the adjuster kept asking for updates from the doctor which we provided but because of COVID, there have been significant delays getting another update. We are trying to book an appointment with his specialist but the adjuster said that unless he gets an update by soon my husband’s benefits will stop. Is there a way to avoid his benefits stopping?

If the insurance benefits are stopped by the insurance company, getting in touch with a disability lawyer is of vital importance. It would not be in their best interest to stop benefits as this could lead to a bad faith claim.

Chapter 7:

My friend was denied LTD and tried to appeal twice and was rejected both times. She has chronic migraines and eyesight issues. I told her to reach out to a lawyer but she insists she has no money to pay so she's ready to give up. 


Get in touch with a disability lawyer just to see what your rights are and to be informed. It is ultimately a client's decision to proceed with a legal claim. 

Experiencing an Employment Issue?

Before you call a lawyer, use the Pocket Employment Lawyer to find out if you might have a case.

Use The Severance Pay Calculator to find out how much severance pay you may be owed upon termination.

Call 1-855-821-5900, email Help@EmploymentLawyer.ca or fill out a contact form to get help now from a Toronto employment lawyer.

Denied Long Term Disability? We Can Help.

Discover your rights and the TRUTH about long term disability and personal injury. <a href="http://www.stlawyers.ca/sivan-tumarkin">Sivan Tumarkin</a> and <a href="https://stlawyers.ca/team/albert-klein/">Albert Klein</a>, Disability Lawyers at Samfiru Tumarkin LLP, join co-host John Scholes as they guide you through the proper steps to take when your insurance provider cuts off your long-term disability or denies your insurance claim.
In This Episode
Chapter 1:
What is an insurance issue that has been plaguing many during COVID-19?
When the pandemic hit in March, many were forced to cancel trips and suffered cancellation penalties as well as no reimbursements by insurance companies.
Chapter 2:
What is an important detail to remember in dealing with corresponding with an insurance company? 
In writing if possible, authorize that the company must have everything in writing and do not rely on verbal communication.
Chapter 3:
I've been on LTD for 3 years. Two attempts to return to work have failed. Long term disability insurance is threatening to cut me off due to an inability to be re-trained for something else. My inabilities are due to stress, depression, relocation for training, etc. At this point, it feels like constant harassment. Is it possible to accept a buy out so I don't feel constant stress anymore? 
By virtue of being on LTD for 3 years, you have satisfied the necessary requirements to prove you cannot do any occupation due to a disability. The insurance company's conduct in this situation is egregious and could lead to punitive damages. 
Chapter 4:
A client at 63 years old denied LTD from one of the biggest insurance companies in Canada and instead told to rely on the CERB benefit. 
The insurance company is taking advantage of a government-funded program that is not equipped to deal with these types of situations. 
Chapter 5:&nbsp;
Three things you should consider when your long term insurer tells you to apply for CPPD:
<ol>
<li>Do you have to apply and what happens if you don't? </li>
<li>What are the benefits of applying for CPPD? </li>
<li>What should you do if your adjuster tells you to apply?</li>
</ol>
Chapter 6:
My husband has advanced osteoarthritis and inflammation and applied for LTD. He was initially approved late last year but then the adjuster kept asking for updates from the doctor which we provided but because of COVID, there have been significant delays getting another update. We are trying to book an appointment with his specialist but the adjuster said that unless he gets an update by soon my husband&rsquo;s benefits will stop. Is there a way to avoid his benefits stopping?
If the insurance benefits are stopped by the insurance company, getting in touch with a disability lawyer is of vital importance. It would not be in their best interest to stop benefits as this could lead to a bad faith claim.
Chapter 7:
My friend was denied LTD and tried to appeal twice and was rejected both times. She has chronic migraines and eyesight issues. I told her to reach out to a lawyer but she insists she has no money to pay so she's ready to give up. 
Get in touch with a disability lawyer just to see what your rights are and to be informed. It is ultimately a client's decision to proceed with a legal claim. 
<hr>
Experiencing an Employment Issue?
Before you call a lawyer, use the <a href="https://stlawyers.ca/pocket-employment-lawyer/">Pocket Employment Lawyer</a> to find out if you might have a case.
Use <a href="https://www.severancepaycalculator.com">The Severance Pay Calculator</a> to find out how much severance pay you may be owed upon termination.
Call <a href="tel:1-855-821-5900">1-855-821-5900</a>, email <a href="mailto:Help@EmploymentLawyer.ca">Help@EmploymentLawyer.ca</a>&nbsp;or fill out a <a href="https://stlawyers.ca/contact-us/">contact form</a> to get help now from a <a href="https://stlawyers.ca/toronto-employment-lawyers/">Toronto employment lawyer</a>.
Denied Long Term Disability? We Can Help.

Discover your workplace rights, and let Employment Lawyer Lior Samfiru fight for them.

A co-founding partner at Samfiru Tumarkin LLP, Lior has unmatched experience at various courts and tribunals in Canada, where he has defended countless clients in matters concerning severance pay, wrongful dismissal, constructive dismissal, human rights, sexual harassment, breach of contract, and much more. He also manages the firm's Toronto employment lawyers, Vancouver employment lawyers, Ottawa employment lawyers, and Calgary employment lawyers.

Lior frequently hosts the Employment Law Show, where he educates both employees and employers on their employment rights, according to Employment Standards in Ontario, British Columbia and Alberta, and common law throughout Canada. The show airs on the following radio and TV stations:
Global TV
CTV Toronto
CTV Ottawa
Global News Radio 640 Toronto
Global News Radio 980 CKNW in Vancouver
Newstalk 580 CFRA in Ottawa
Global News Radio 900 CHML in Hamilton
Global News Radio 980 CFPL in London

He also created the Severance Pay Calculator to allow employees in Ontario, British Columbia and Alberta determine how much severance pay they are owed when they are terminated from their job.

Experiencing a workplace issue? Not sure if you need legal assistance? BEFORE you call an employment lawyer, use the Pocket Employment Lawyer. Answer a few quick questions at PocketEmploymentLawyer.ca and you will learn what your legal options are and how to enforce your rights.

Discover your workplace rights, and let Employment Lawyer <a href="https://stlawyers.ca/team/lior-samfiru/">Lior Samfiru</a> fight for them.
A co-founding partner at Samfiru Tumarkin LLP, Lior has unmatched experience at various courts and tribunals in Canada, where he has defended countless clients in matters concerning <a href="https://stlawyers.ca/law-essentials/severance-pay/">severance pay</a>, <a href="https://stlawyers.ca/law-essentials/wrongful-dismissal/">wrongful dismissal</a>, <a href="https://stlawyers.ca/law-essentials/constructive-dismissal/">constructive dismissal</a>, <a href="https://stlawyers.ca/law-essentials/harassment-discrimination/">human rights</a>, sexual harassment, breach of contract, and much more. He also manages the firm's <a href="https://stlawyers.ca/toronto-employment-lawyers/">Toronto employment lawyers</a>, <a href="https://stlawyers.ca/vancouver-employment-lawyers/">Vancouver employment lawyers</a>, <a href="https://stlawyers.ca/ottawa-employment-lawyers/">Ottawa employment lawyers</a>, and <a href="https://stlawyers.ca/calgary-employment-lawyers/">Calgary employment lawyers</a>.
Lior frequently hosts the <a href="https://stlawyers.ca/employment-law-show/">Employment Law Show</a>, where he educates both employees and employers on their employment rights, according to Employment Standards in Ontario, British Columbia and Alberta, and common law throughout Canada. The show airs on the following radio and TV stations:
<ul>
<li>Global TV</li>
<li>CTV Toronto</li>
<li>CTV Ottawa</li>
<li>Global News Radio 640 Toronto</li>
<li>Global News Radio 980 CKNW in Vancouver</li>
<li>Newstalk 580 CFRA in Ottawa</li>
<li>Global News Radio 900 CHML in Hamilton</li>
<li>Global News Radio 980 CFPL in London</li>
</ul>
He also created the <a href="https://www.severancepaycalculator.com/">Severance Pay Calculator</a> to allow employees in Ontario, British Columbia and Alberta determine how much severance pay they are owed when they are terminated from their job.
Experiencing a workplace issue? Not sure if you need legal assistance? BEFORE you call an employment lawyer, use the <a href="https://stlawyers.ca/pocket-employment-lawyer/">Pocket Employment Lawyer</a>. Answer a few quick questions at PocketEmploymentLawyer.ca and you will learn what your legal options are and how to enforce your rights.

Lior Samfiru - Samfiru Tumarkin LLP

Advice you need. Compensation You Deserve.

Whether you are an employee facing a wrongful dismissal or an employer who needs the support of a knowledgeable advocate, have been denied or cut off a long-term disability claim, or have a conflict with an insurance company, the experienced legal team at Samfiru Tumarkin LLP provides practical and cost-effective solutions, backed up by years of proven results and countless testimonials. Our offices are located in Toronto, Ottawa, Vancouver and Calgary, where we serve residents in Ontario, British Columbia and Alberta. Samfiru Tumarkin LLP is the only employment law firm in Canada with a TV show and live weekday radio program dedicated to answering your questions about your workplace rights.

Advice you need. Compensation You Deserve.
Whether you are an employee facing a <a href="https://stlawyers.ca/law-essentials/wrongful-dismissal/">wrongful dismissal</a> or an employer who needs the support of a knowledgeable advocate, have been <a href="https://stlawyers.ca/law-essentials/long-term-disability-claims/">denied or cut off a long-term disability claim</a>, or have a conflict with an insurance company, the experienced legal team at Samfiru Tumarkin LLP provides practical and cost-effective solutions, backed up by years of proven results and countless testimonials. Our offices are located in <a href="https://stlawyers.ca/toronto-employment-lawyers/">Toronto</a>, <a href="https://stlawyers.ca/ottawa-employment-lawyers/">Ottawa</a>,&nbsp;<a href="https://stlawyers.ca/vancouver-employment-lawyers/">Vancouver</a> and <a href="https://stlawyers.ca/calgary-employment-lawyers/">Calgary</a>, where we serve residents in Ontario, British Columbia and Alberta. Samfiru Tumarkin LLP is the only employment law firm in Canada with a TV show and live weekday radio program dedicated to answering your questions about your workplace rights.

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