CPP Disability & Denied Long-Term Disability Claims

Posted on by Ben Tarnow Posted in Insurance Denials, Long-Term DisabilityTagged

Disability benefits in Canada can come from various sources, both private and public (and when dealing with public benefits there are different sources at the Federal and Provincial levels). That being said, the primary source for disability benefits for most people dealing with disabilities in Canada comes from the Canada Pension Plan (CPP) Disability benefits and private long-term disability insurance. While both of these sources provide financial support for individuals unable to work due to disability, they operate under different frameworks, eligibility criteria, and benefits. It is important to understand how CPP Disability works alongside long-term disability benefits, even when those Long-Term disability benefits have been denied.

What are CPP Disability Benefits?

The Canada Pension Plan Disability (CPP-D) program offers financial assistance to individuals who have contributed to the CPP and are unable to work due to severe and prolonged disabilities. The program is designed to ensure that those who … Continue reading

Understanding Denied Long-Term Disability Claims for PTSD

Posted on by Kevin Blair Posted in Insurance Denials, Long-Term DisabilityTagged ,

Post-Traumatic Stress Disorder (PTSD) is a serious mental health condition that can develop after experiencing or witnessing a traumatic event. For many, PTSD can significantly impair daily functioning, making it difficult to maintain employment. Due to this many individuals with PTSD may make a claim for long-term disability benefits to provide financial support during their recovery.

Eligibility for Long-Term Disability Benefits Due to PTSD

To qualify for long-term disability benefits due to PTSD, the claimant needs to meet specific criteria of the insurance policy. While each case is dependent on the policy language, generally speaking in order to be eligible for long-term disability benefits due to PTSD you will require a formal diagnosis from a qualified mental health professional. This may include evaluations from psychologists, psychiatrists, or licensed clinicians. Included with a formal diagnosis the severity of your PTSD symptoms must be documented, in particular when the onset of symptoms … Continue reading

Can My Long-Term Disability Claim Be Denied for Pre-Existing Conditions?

Posted on by Brian Jacobson Posted in Insurance Denials, Long-Term DisabilityTagged

Navigating the complexities of long-term disability insurance can be daunting, especially when pre-existing conditions come into play. This blog aims to unravel the intricacies of how pre-existing conditions can influence the approval or denial of LTD claims.

What is a Pre-Existing Condition?

A pre-existing condition (often called a “pre-ex” or “pre-x” in the insurance industry) is any health issue that existed before you obtained your long-term disability insurance coverage. These conditions can range from chronic illnesses like diabetes and heart disease to mental health disorders and previous injuries.

The Look-Back Period

Different insurance policies deal with pre-existing health conditions in different ways. There is often a distinction between how private insurance policies deal with pre-existing health conditions versus group insurance policies. As with everything to do with insurance, it will almost always come down to the specific wording of your policy.

Generally speaking, long-term disability Insurance policies often include … Continue reading

Long-Term Disability Denial Claims for Postal Workers

Posted on by Ben Tarnow Posted in Insurance Denials, Long-Term DisabilityTagged

Most people know that postal workers will get their job done, “through rain, or sleet, or snow,” but unfortunately sometimes medical injuries or conditions render postal workers unable to perform the duties of their employment. When this happens, postal workers can go on short-term or long-term disability. Often these long-term disability claims are denied, or cut off after a period of time, usually when the insurance company decides someone can go back to work unilaterally, often against the wishes of that person’s treating doctors.

If a postal worker has their long-term disability claim denied, Taylor & Blair LLP can help make the insurance company pay you the benefits you are owed.

Common Postal Worker Injuries & Conditions

Postal workers’ duties can be physically strenuous work. There is often significant carrying, walking and bending required by this job. Postal workers are often required to transverse different residential and commercial properties to … Continue reading

Appealing Your Long-Term Disability Denial

Posted on by David Goldberg Posted in Insurance Denials, Long-Term DisabilityTagged

When you have been rendered unable to work due to a medical condition that has led to a disability, the last thing you want to have is more problems to deal with. Most people think that because they have an insurance policy that covers long-term disability all they will have to do is apply for their long-term disability benefits and focus on getting better and back to work. The reality is that often legitimate long-term disability claims are denied by insurance companies.

While different long-term disability policies can vary in their terms, usually if you have been denied long-term disability benefits you have the option to appeal the decision through your insurance company’s internal appeal process.

How To Make The Most Of Your Appeal

No two long-term disability denials are ever the same, however, there are some steps you can take in appealing the denial of your long-term disability benefits … Continue reading