5 Things You Must Do If Your Disability Claim is Being Cut Off - Disability Law Show: S1 E21

*5 THINGS YOU MUST DO IF YOUR LTD BENEFITS ARE ABOUT TO BE CUT OFF* on the Disability Law Show (formerly In Your Corner) with Disability Lawyers Sivan Tumarkin and James K. Fireman. Learn how to fight back against the insurance company and get what you're owed in Ontario, British Columbia, and Alberta on Season 1 Episode 21 of the only disability law show on TV in Canada.

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*FEATURED ON THIS EPISODE...*

0:00 Intro

0:34 *Mental Health vs. Physical Disability Claims*
Mental health claims are often perceived as not being as strong as a physical health claim. James discusses why this is not the case.

3:50 *Mixed Diagnoses Dilemma After Concussion*
A mechanic suffered a concussion as a result of a workplace accident. He was denied long-term disability after being on short-term disability. Due to mixed reports his claim was denied because there were differing opinions on whether he was suffering psychologically or physically.

7:59 *LTD Cut Off Amid Worsening MS Symptoms*
My niece has MS. She’s 37 and worked for over 10 years until her illness got worse. She’s been on LTD for over a year-and-a-half now. The insurance company had her see one of their doctors, who said that she can do other work. She is physically unable to work and has difficulty functioning even at home. What should she do if her insurer decides to cut off her disability claim?

13:30 *5 things you MUST do ASAP if your LTD benefits are about to be cut off!
13:35 1️⃣ Check your LTD policy to determine at what age your benefits are supposed to expire.
15:43 2️⃣ If you are unable to work, get your doctor or doctors to confirm in writing that you are still disabled and explain why you can’t go back to work at the present time.
19:28 3️⃣ If you haven’t already done so, apply for CPP Disability ASAP.
21:10 4️⃣ Confirm in writing to your adjuster that you are NOT ready to go back to work and that your doctors have said that you can’t go back to work.
23:12 5️⃣ Contact us immediately – do NOT wait! Do NOT appeal!!

24:37 *Exploring LTD Eligibility After Termination*
My brother works for a bank and has been struggling with mental health issues like depression and anxiety. He sees a psychologist regularly and is on medication, but his condition has worsened in the past few months. While he was in the process of going on sick leave he was let go. Should he apply for LTD? Does he even have LTD coverage now?

27:49 *LTD Cut Over Accusations of Misrepresenting Sciatica Symptoms*
I’ve been trying new medications for my sciatica over the last year. My doctor said that I should have seen some improvement, but I haven’t. My LTD case manager saw those notes and asked my doctor for his updated file. They accused me of lying about my symptoms and will cut off my benefits next month. I’m terrified. I’m 49 years old and can’t go back to work. What can I do?

*DISCOVER YOUR RIGHTS!*

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