Anxiety and LTD benefits.
Many people struggle with anxiety, but most will respond to medication or other treatments. For some, however, this disorder becomes so overwhelming that they are unable to participate in normal activities, including employment. Whether a person is approved for long-term disability benefits for this depends on various factors. However, any type of claim for mental illness is more difficult to prove than physical injuries or diseases. Jan A. Fishman can assist you in preparing a long-term disability claim due to anxiety. Jan has been a lawyer for 30 years, and has assisted hundreds of people...
read moreAppeal Court rules that not all bad faith attracts punitive damages.
On November 3, 2020, the BC Court of Appeal held that not all bad faith conduct will result in an award of punitive damages. In Gascoigne v. Desjardins Financial Security Life Assurance Co. (c.o.b. Desjardins Insurance), [2020] B.C.J. No. 1821, 2020 BCCA 316, the insured, an ICBC bodily injury adjuster, sued her disability insurer under her group benefits policy when her claim for long term disability benefits was denied. She developed inflammation of the tendons of her left elbow, requiring surgery, and subsequently developed depression. At trial, the medical evidence established that she...
read moreWhen returning to work is a risky proposition.
As workplaces slowly begin to reopen over the next several weeks and months, many of us might feel anxious about returning to work and the possibility of being exposed to COVID-19. However, if you are someone who has a medical condition that puts you at an increased risk for serious complications from COVID-19, you might decide that returning to work right now is not worth the risk. If you do decide not to return to work, you might be wondering whether you can apply for disability insurance benefits (such as short-term or long-term disability benefits), either through your employer’s group...
read moreThe top 5 reasons LTD claims are denied.
#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...
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