The top 5 reasons insurers deny LTD claims.
#1 – Insufficient Medical Documentation Insurance companies will often state that the medical documentation you provided does not support your claim that you are disabled from working. This is a catch-all tactic. They often do not explain why your documents are insufficient. If your doctors or treatment providers support your disability, you should generally qualify for your LTD policy. #2 – You Are Not “Totally Disabled” This is a conveniently misleading term that was crafted by insurance companies. The term “totally disabled” does not mean you need to be paralyzed,...
read moreWill it hurt my LTD claim if I cannot get in to see my doctor?
I represent people whose disability claims have been terminated or denied. A number of claims are denied on the basis that the insured has either been (a) not been receiving enough treatment or (b) not receiving the right treatment. This is typically a requirement under your insurance policy. During this period of self-isolation and social distancing due to COVID-19, and with fewer doctors scheduling appointments during this time, this requirement to get treatment becomes more difficult. I’ve been receiving a number of phone calls from concerned clients who have told me that they are having...
read moreWhat if I cannot work because the pandemic is affecting my mental health?
The coronavirus (COVID-19) pandemic has created a lot of uncertainty for individuals across our country. For many, the fear of contracting and transmitting the coronavirus and the struggles with self-isolation have led to severe anxiety, depression and other forms of psychological harm. Several of our clients have reached out to us already with these growing concerns. So, don’t worry – you’re not alone! You may be asking yourself: Will I get the coronavirus? If so, how serious will it be? Will I be able to get the right treatment for the coronavirus? How about for my...
read moreEffortlessly Persuasive: A Trial Lawyer Shares Insights
I was recently interviewed for an interesting article about persuasion by Ruth-Anne Eisler Business Writer, Editor, and Corporate Communications Specialist. Persuading: it’s a key component of business communication, even for those with expert knowledge of their subject matter. From a presentation to a pitch to meeting with potential clients, the ability to persuade is a necessary and practical communication skill for all of us—and arguably one of the most important skills you’ll need in 2020 (and beyond). And who better to discuss than a trial lawyer, one who routinely appears before...
read moreManulife found GUILTY of breaching privacy.
On January 31, 2020, the Alberta Information and Privacy Commissioner found Manulife guilty of breaching of disclosing a worker’s personal information to her employer’s agent without her consent. https://www.canlii.org/en/ab/aboipc/doc/2020/2020canlii9595/2020canlii9595.html?resultIndex=1
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