5 MAJOR FACTS ABOUT LTD BENEFITS on the Disability Law Show with disability lawyers Sivan Tumarkin and James Fireman. Learn how to fight back against the insurance company and get what you're owed in Ontario, British Columbia, and Alberta on Season 5 Episode 02 of the only disability law show on TV in Canada.

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FEATURED ON THIS EPISODE...

0:00 Intro

3:27 $1M Damages Awarded after LTD Denied
A recent case in an Ontario court has resulted in unprecedented punitive damages of over $1 million for someone who pushed back against insurance company Blue Cross after they were denied longterm disability benefits.

8:54 Missed appointment could cut LTD benefits
My wife has been on LTD for almost a year while recovering after eye surgery. She recently missed an appointment with her doctor but has since rescheduled it. Her insurance adjuster called to ask for an update and is now implying she’s in danger of losing her benefits. What should she do?"

15:49 Time 5 Major facts about longterm disability benefits
15:55 1⃣ LTD benefits are available to those with physical medical conditions as well as mental illnesses.
17:59 2⃣ Insurance companies often deny LTD claims on the basis that individuals are not “totally disabled."
19:57 3⃣ Disability benefit denials are often unjust and unfair and can be fought with legal action.
22:54 4⃣ If denied LTD, individuals have up to 2 years from the date of denial to file a legal claim.
24:11 5⃣ Do not appeal an LTD denial before talking to a disability lawyer.

26:49 Cut off LTD after 2 years with lung issue
I’ve been on LTD for over a year due to an ongoing lung issue. My insurer recently informed me my benefits would end at the 2year mark. I’ve just been approved for CPPD. Can they cut me off like this?"

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