What are the top 5 reasons insurers deny long-term disability 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,...

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Will it hurt my disability 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...

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What 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...

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Effortlessly 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...

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Manulife 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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