DISABILITY ALERT!

JOHN M. FARANT PERSONAL INJURY LAWYER KINGSTON WITH SOME IMPORTANT INFO FOR YOU ABOUT DISABILITY INSURANCE.

If you are trying to claim disability insurance through your Long Term Disability (LTD) insurance company, it’s important to know what your rights are. For example, after, say, two years of receiving what is sometimes called “Long term Short term” disability insurance, you may be told by your insurance company you do not qualify after two years as you can do some kind of work (as opposed to the first 2 years which is usually based on your previous job).

Sometimes the LTD company will specifically say that that work is,”any occupation for which you are qualifed by age, training or experience”, or similar such language. Further, the LTD company may say that, as you may be able to do some sort of work they have identified for you (often, very lowpaying or menial work such as gas station attendant, telemarketer, or other customer service ), then you no longer qualify for benefits.

This is not always true. Many applicants for LTD have been able to prove they qualified even though they could do some sort of work. My favourite example is of a dentist who was told by his LTD company that he could be a lawyer. The court agreed with him that, as he was not INTERESTED in being a lawyer, the dentist was disabled and he won his benefits.

Always read a denial letter from an LTD company very carefully. Do not accept their denial until you have consulted with a lawyer. I CAN HELP ANSWER YOUR QUESTIONS ABOUT LONG TERM DISABILITY INSURANCE.

Please follow the link for more information.

JOHN M. FARANT, PERSONAL INJURY LAWYER, KINGSTON, ONTARIO