3 Tips for COVID-19 Long-haulers and LTD claims - Disability Law Show: S3 E19

Описание: 3 TIPS FOR COVID-19 LONG HAULERS AND LTD CLAIMS on the Disability Law Show with disability lawyer 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 3 Episode 19 of the only disability law show on TV in Canada.

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FEATURED ON THIS EPISODE...

0:00 - Intro

🔹 Lack of diagnosis leads to disability benefits being cut off - 00:56
I'm a car salesman and have been experiencing abdominal pain for two years. After tests, my doctors still can't figure out what's wrong. My LTD benefits were cut off as a result. What can I do?

📧 EMAIL: Case review by insurance medical consultant - 5:05
[email protected] - I’ve been on LTD for almost 2.5 years now for severe sciatica pains and osteoarthritis. I get injections and treatment every week from my doctor. Recently a new claims adjuster took over my file and told me she reviewed my case with a medical consultant and they think that I should have gotten better and should be back to work already. She’s threatening to cut off my benefits if I don’t return. What should I do?

▶️ 3 Tips for COVID-19 Long-haulers and LTD claims:

1️⃣ If you can’t work because of the physical OR psychological effects of COVID-19, you can apply and should receive long-term disability benefits. - 11:30

2️⃣ Insurance companies may try to tell you that they don’t cover COVID-19 disabilities. That is not true unless the LTD policy specifically excludes coverage for Covid-19. - 15:25

3️⃣ Contact us immediately if your long-term disability claim is denied and you can’t work because of Covid-19 or any other reason. - 16:48

❓ Request for clinical notes from doctors to continue benefits - 20:35
An email from [email protected] - The insurance company has suggested that they will cut off my long-term disability benefits. Now they’re asking for clinical notes from all of my doctors. Do I have to provide them? Is this an infringement on my privacy?

📧 EMAIL: Denied LTD benefits as the condition is a workplace issue - 22:52
[email protected] - I’ve been diagnosed with a rare autoimmune condition that causes swelling throughout my body. Stress aggravates the condition and makes work impossible. My situation at work deteriorated to the point where I couldn’t get out of bed. My doctors have said that I can’t return to any work environment because the stress would cause me to regress significantly. I applied for LTD but my claim was denied because they said it was a “workplace issue”. Shouldn’t I be entitled to benefits?

❓ Treatment fo disability leading to further decline - 25:44
An email from [email protected] - I have struggled with chronic depression and went on LTD a couple of years ago. My depression and anxiety aren’t improving despite continuing therapy sessions. There is now a decline in my cognitive abilities. My question is at what point can treatment be causing more stress; I’m scared of being cut off if I don't comply. Is there anything I can do?


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