What happens when you don’t fight for what you are owed?

Can the insurance company buy me out?

Should we appeal the LTD insurer’s decision to cut us off?

What types of disabilities are allowed to make a claim for LTD?

The top 5 reasons

You are not totally disabled

Insufficient medical documents supporting your condition

There is no formal diagnosis for your disability

You can do another job

You don't qualify because of a pre-existing condition.

Is there anything I should do if I think I will need to apply for LTD?

Should I wait until my symptoms worsen to apply for LTD?

Discover your rights and the TRUTH about long term disability and personal injury on In Your Corner, Canada's only talk radio show dedicated to leveling the playing field when dealing with insurance companies. Every Saturday at 4 p.m. on Newstalk 1010 in Toronto and Newstalk 580 in Ottawa, Disability Lawyers Sivan Tumarkin and James K. Fireman walk 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 happens when you don’t fight for what you are owed?

In 1989 my husband became disabled and received LTD from his insurer.  They kept cutting him off indicating they needed more information.  As we kept getting cut off and decided it wasn’t worth the headache to continue fighting.  Is there anything you can do to help my husband get what he is owed?

Chapter 2:

Can the insurance company buy me out?

I have written in before and I have another question.  I am on LTD and have been for the last 6 years with clinical depression, OCD, and obtrusive thoughts.  I have been told by my doctors that I will likely never be able to go back to work.  Can the insurance company offer to buy me out?

Chapter 3:

Should we appeal the LTD insurer’s decision to cut us off?

My wife who is 32 suffers from a neurological disease.  We received a letter this week stating that they think she can do something else and she will be cut off due to it.  It says we have 30 days to appeal.  What can we do? Should we appeal?

Chapter 4:

What types of disabilities are generally allowed to claim for LTD?

For the first 2 years you must be able to prove that you are unable to do your own occupation.  After 2 years it expands to encompass whether you can do any occupation. 

Chapter 5:

The top 5 reasons that insurers will give for denying claims:
You are not totally disabled
Insufficient medical documents supporting your condition
There is no formal diagnosis for your disability
You can do another job
You don’t qualify because of a pre-existing condition



Chapter 6:

Is there anything I should do if I think I will need to apply for LTD?

My father was in a car accident 6 months ago.  He broke three ribs and was diagnosed with a concussion.  He just turned 59 and hasn’t gone back to work yet.  What should we do right now, or should we wait to take further legal steps until we know more about his condition?

Chapter 7:

Should I wait until my symptoms worsen to apply for LTD?

I have Parkinson’s and just finished Short-term disability and just applied for LTD.  I was denied for LTD, the insurance company stated that my condition wasn’t advanced enough.  My neurologist has said that I am no longer able to work.  Should I wait until my condition is worse to apply again?

Denied Long-Term Disability?

Discover your rights when your long-term disability claim is denied. Find out more hereor use the Pocket Disability Lawyer to find out how we can help.

Employment Issues?

Before you call a lawyer, use the Pocket Employment Lawyer to calculate your potential severance package and find out if you might have a case.

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

Discover your rights and the TRUTH about long term disability and personal injury on In Your Corner, Canada's only talk radio show dedicated to leveling the playing field when dealing with insurance companies. Every Saturday at 4 p.m. on Newstalk 1010 in Toronto and Newstalk 580 in Ottawa, Disability Lawyers <a href="http://www.stlawyers.ca/sivan-tumarkin">Sivan Tumarkin</a> and <a href="http://www.stlawyers.ca/james-fireman">James K. Fireman</a> walk 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 happens when you don’t fight for what you are owed?
In 1989 my husband became disabled and received LTD from his insurer.  They kept cutting him off indicating they needed more information.  As we kept getting cut off and decided it wasn’t worth the headache to continue fighting.  Is there anything you can do to help my husband get what he is owed?
Chapter 2:
Can the insurance company buy me out?
I have written in before and I have another question.  I am on LTD and have been for the last 6 years with clinical depression, OCD, and obtrusive thoughts.  I have been told by my doctors that I will likely never be able to go back to work.  Can the insurance company offer to buy me out?
Chapter 3:
Should we appeal the LTD insurer’s decision to cut us off?
My wife who is 32 suffers from a neurological disease.  We received a letter this week stating that they think she can do something else and she will be cut off due to it.  It says we have 30 days to appeal.  What can we do? Should we appeal?
Chapter 4:
What types of disabilities are generally allowed to claim for LTD?
For the first 2 years you must be able to prove that you are unable to do your own occupation.  After 2 years it expands to encompass whether you can do any occupation. 
Chapter 5:
The top 5 reasons that insurers will give for denying claims:
<ul>
<li>You are not totally disabled</li>
<li>Insufficient medical documents supporting your condition</li>
<li>There is no formal diagnosis for your disability</li>
<li>You can do another job</li>
<li>You don’t qualify because of a pre-existing condition</li>
</ul>
 
Chapter 6:
Is there anything I should do if I think I will need to apply for LTD?
My father was in a car accident 6 months ago.  He broke three ribs and was diagnosed with a concussion.  He just turned 59 and hasn’t gone back to work yet.  What should we do right now, or should we wait to take further legal steps until we know more about his condition?
Chapter 7:
Should I wait until my symptoms worsen to apply for LTD?
I have Parkinson’s and just finished Short-term disability and just applied for LTD.  I was denied for LTD, the insurance company stated that my condition wasn’t advanced enough.  My neurologist has said that I am no longer able to work.  Should I wait until my condition is worse to apply again?
<hr>
Denied Long-Term Disability?
Discover your rights when your long-term disability claim is denied. <a href="https://stlawyers.ca/disability-law/">Find out more here</a> or use the <a href="https://stlawyers.ca/pocket-disability-lawyer/">Pocket Disability Lawyer</a> to find out how we can help.
Employment Issues?
Before you call a lawyer, use the <a href="https://stlawyers.ca/pocket-employment-lawyer/">Pocket Employment Lawyer</a> to calculate your potential severance package and find out if you might have a case.
Call 1-855-821-5900, email <a href="mailto:Help@EmploymentLawyer.ca">Help@EmploymentLawyer.ca</a> or fill out a <a href="https://stlawyers.ca/contact-us/">contact form</a> to get help from an <a href="https://stlawyers.ca/labour-employment-law-employees/">employment lawyer</a>.

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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