Week that Was

After being cut off from long term disability, should I apply for CPPD?

What to do if your insurer denied your claim because they say that it’s “situational”:

Should I take the buy out my insurance company is offering me?

If missed treatments. can long term disability benefits be cut off? Can the denial be appealed?

Denied LTD as you're not disabled enough for a particular occupation, 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: 

Week That Was

My lawyer filed a claim against my insurance company for my LTD within the time limits. My insurance company took their time and didn't respond much to my lawyer. This year they are making excuses relating to COVID-19. What can my lawyer do to force them to respond to my claim?

Chapter 2: 

My client was cut off from benefits, was told to apply for CPPD. She was approved for CPPD and asked if she should pay the insurance company back for any overlapped time. 

She was informed not to pay the company back and keep the money back until the LTD claim was finalized.

Chapter 3: 

Situational v. Generalized Conditions in Long Term Disability Claims: What to do if your insurer denied your claim because they say that it’s “situational”:
Make sure you understand the difference between the two (situational v generalized)
Situational doesn’t mean that you don’t have a case
You may have both an LTD case AND an employment case – you need a lawyer that understands both areas of law

Chapter 4:

I’ve been getting long term disability since I was 52 years old for a degenerative disease. I have a hard time moving my hands and I worked as a mechanic for over 30 years. I get just over $3,000 per month in LTD and have gotten that for the last 3 years. My adjuster called me last week and offered me a “buy out” for $100,000 tax-free. I’m wondering if I should take it. I’m worried that if I don’t then they will stop my benefits and I will lose everything.  

The insurance company offering a buy out is not doing so in a client's best interests, bearing in mind that a degenerative disease will worsen as time goes on. It is important to look at the repercussions long-term and that the client was already approved for 3yrs LTD.

Chapter 5:

My 38-year-old son has been struggling with alcoholism for years. Recently he was cut off LTD because the insurance company says that he isn’t following treatments, but his doctors confirm that he has but has had a couple of relapses. The adjuster refused to speak with me and instead wrote to my son that he can appeal the decision but told him by phone that his appeal won’t succeed. What do you think he can do?

It is important to get as much communication with the insurance company in writing and remember that the client's doctor has confirmed they are still receiving treatment.

Chapter 6:

My wife has been suffering from severe depression for years but somehow has been able to work through it. However, when COVID hit earlier this year and social isolation cut us off from friends and family, she got worse. She stopped working because of her depression with the recommendation of her psychologist and applied for LTD. We just got the denial letter from the insurer who said that she’s not disabled enough from her own occupation. She is a teacher at a private school and I can’t see her going back to teach in the foreseeable future. What should we do? 

The insurance company can be forced to the table to have a discussion if the client gets in touch with a disability lawyer. It is important not to wait and prolong the process after a denial.

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:&nbsp;
Week That Was
My lawyer filed a claim against my insurance company for my LTD within the time limits. My insurance company took their time and didn't respond much to my lawyer. This year they are making excuses relating to COVID-19. What can my lawyer do to force them to respond to my claim?
Chapter 2: 
My client was cut off from benefits, was told to apply for CPPD. She was approved for CPPD and asked if she should pay the insurance company back for any overlapped time. 
She was informed not to pay the company back and keep the money back until the LTD claim was finalized.
Chapter 3:&nbsp;
Situational v. Generalized Conditions in Long Term Disability Claims: What to do if your insurer denied your claim because they say that it&rsquo;s &ldquo;situational&rdquo;:
<ol>
<li>Make sure you understand the difference between the two (situational v generalized)</li>
<li>Situational doesn&rsquo;t mean that you don&rsquo;t have a case</li>
<li>You may have both an LTD case AND an employment case &ndash; you need a lawyer that understands both areas of law</li>
</ol>
Chapter 4:
I&rsquo;ve been getting long term disability since I was 52 years old for a degenerative disease. I have a hard time moving my hands and I worked as a mechanic for over 30 years. I get just over $3,000 per month in LTD and have gotten that for the last 3 years. My adjuster called me last week and offered me a &ldquo;buy out&rdquo; for $100,000 tax-free. I&rsquo;m wondering if I should take it. I&rsquo;m worried that if I don&rsquo;t then they will stop my benefits and I will lose everything.&nbsp; 
The insurance company offering a buy out is not doing so in a client's best interests, bearing in mind that a degenerative disease will worsen as time goes on. It is important to look at the repercussions long-term and that the client was already approved for 3yrs LTD.
Chapter 5:
My 38-year-old son has been struggling with alcoholism for years. Recently he was cut off LTD because the insurance company says that he isn&rsquo;t following treatments, but his doctors confirm that he has but has had a couple of relapses. The adjuster refused to speak with me and instead wrote to my son that he can appeal the decision but told him by phone that his appeal won&rsquo;t succeed. What do you think he can do?
It is important to get as much communication with the insurance company in writing and remember that the client's doctor has confirmed they are still receiving treatment.
Chapter 6:
My wife has been suffering from severe depression for years but somehow has been able to work through it. However, when COVID hit earlier this year and social isolation cut us off from friends and family, she got worse. She stopped working because of her depression with the recommendation of her psychologist and applied for LTD. We just got the denial letter from the insurer who said that she&rsquo;s not disabled enough from her own occupation. She is a teacher at a private school and I can&rsquo;t see her going back to teach in the foreseeable future. What should we do?&nbsp;
The insurance company can be forced to the table to have a discussion if the client gets in touch with a disability lawyer. It is important not to wait and prolong the process after a denial.
<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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