WHAT TO KNOW IF DIAGNOSED WITH AN INVISIBLE ILLNESS & APPLYING FOR LTD on the Disability Law Show with disability lawyer and Partner Tamar Agopian. Learn how to fight back against the insurance company and get what you're owed on Season 6 Episode 19 of the only disability law show on TV in Canada.
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FEATURED ON THIS EPISODE...
0:00 Intro
1:23 On leave while applying for disability benefits
I'd been working for a company as a project coordinator for many years and in the midst of transitioning to working back in the workplace when I was diagnosed with cancer. My boss advised I take some time off before applying for disability benefits. I was denied by the insurer as I was not "actively employed" at the time of application. What can I do here?
10:32 Request for medical updates from insurer
My husband was diagnosed with schizophrenia and has been on LTD for almost 2 years now. Our insurer keeps asking for medical updates from his GP, even though they are not responsible for his medication and treatment. We’ve asked them to speak directly to his psychiatrist instead. Does the insurer’s lack of awareness mean his benefits will be cut off?
What to know if you’re diagnosed with an invisible illness and applying for LTD
16:09 1️⃣ Invisible illnesses are typically difficult to diagnose due to a lack of objective medical evidence.
18:53 2️⃣ Disability insurers often deny LTD claims due to insufficient medical evidence.
20:20 3️⃣ With the support of a treating doctor or specialists, you can and should still receive LTD benefits.
24:15 Non-compliance while on LTD
With the support of my doctor and physiotherapist, I had to stop working after shoulder replacement surgery a year ago. My case manager has told me to change to another physiotherapist and specialist they recommend. Do I have to follow these suggestions? I’ve seen real improvement with my own medical physicians.
27:47 Impact of CPP Disability on LTD
I've been on LTD for almost two years and was approved for CPP disability earlier this year. In a call with my disability insurer, I was told they are reviewing my case again to decide if coverage should continue. If CPP disability has approved me for the long-term, can the insurer still decide to cut me off?
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30 июл 2024
