WHAT YOU SHOULD KNOW ABOUT ADDICTION AND DISABILITY CLAIMS on the Disability Law Show with disability lawyer and Partner James Fireman. Learn how to fight back against the insurance company and get what you're owed on Season 6 Episode 10 of the only disability law show on TV in Canada.
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FEATURED ON THIS EPISODE...
0:00 Intro
1:09 Pre-existing exclusion clauses
I had to take a medical leave from my position due to a mental health issue. As I'd been at this job for less than a year, the insurer informed me I was denied benefits as it was a "pre-existing" condition. What can I do here?
8:15 New LTD case manager
I’ve been on LTD for 3 years now. I recently got a new case manager who has suddenly been asking for more updates. I’m worried they’re getting ready to cut me off. Can they do that even though I have the support of my doctors and am still unable to work?
What you should know about addiction and disability claims
16:12 1️⃣Under most disability policies, substance abuse and addiction are deemed disabilities.
18:26 2️⃣ Claimants hoping to receive LTD benefits must seek and undergo treatment.
21:01 3️⃣ A relapse or regression can lead to a cut-off from benefits by insurers, despite the nature of addiction.
24:19 Mental illness deemed "situational"
My wife stopped working nearly a year ago due to workplace harassment, leading to anxiety and PTSD, as advised by her doctor and psychiatrist. Despite this, the insurance company claims her condition is "situational" and suggests she can work elsewhere. Can she still qualify for long-term disability benefits?
26:25 Asked to attend an IME by insurer
I’ve been battling debilitating long-term COVID symptoms since contracting it two years ago and was approved for LTD. Recently, my adjuster has been insisting on a psychiatrist assessment. My condition is not psychological and I’m not sure why they’re asking for this. Do I have to attend?
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