3 COMMON MISCONCEPTIONS ABOUT INDEPENDENT MEDICAL EVALUATIONS on the Disability Law Show with disability lawyers and Partners James Fireman and Tamar Agopian. Learn how to fight back against the insurance company and get what you're owed on Season 6 Episode 07 of the only disability law show on TV in Canada.
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FEATURED ON THIS EPISODE...
0:00 Intro
1:20 Loss of employment and LTD coverage
I'm in my 50s and was on long-term disability when I was let go from a senior position. I was no longer capable of working due to deteriorating mental health, and this led to a termination of employment. Will this affect my benefits?
9:06 Denied LTD after short-term disability approval
I was on short-term disability for a separate issue before returning to work. Not long after returning to work, my daughter passed away, causing me to develop PTSD and severe depression. I went back on short-term disability again on my doctor’s recommendation, but when I applied for LTD benefits, I was denied and told I could still work as I was not “totally disabled”. I'm still barely able to function. How can they expect me to work when it is difficult to make it through the day?
3 Common misconceptions about Independent Medical Evaluations
17:09 1️⃣Independent medical assessments are optional, and claimants do not have to attend.
18:52 2️⃣ Examiners are free from bias and conduct evaluations without input from insurers.
22:31 3️⃣ It is impossible to prepare for an IME or seek legal advice.
26:24 Failed attempt to return to work after LTD
I was told to apply for LTD after 4 months off work on STD. My GP believes that it won't be approved despite support from my chiropractor who has stated I have scoliosis. I attempted to return to work but only lasted a few days due to severe pain. Now I’m using my vacation days to take time off and am worried about further financial difficulties. What can I do?
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