Long-Term Disability Videos

You continue to take medication and have seen little improvement in your health, yet your long-term disability has been terminated. The insurance company’s doctor barely knows you but has decided you can return to work.

Why did the insurance company terminate your benefits?
The insurance company has changed how they define disability and your ability to work. If you were told that a diagnosis is required to be eligible for long-term disability, let me assure you this is not true.

Learn more about long term disability termination in this video.

Are you blaming your workplace and employer for psychological distress?

In reality, you are going through more than the general stress of life. Issues happening in the world, your personal life, your health, or your home can impact your psychological well being.

If you focus on your employer, your insurer will just ask you to change where you work. Although admitting you may be suffering from mental health issues is hard, it may help your disability claim.

Learn more about long term disability and psychological stress in this video.

Your long term disability claim was denied and your insurer has offered you to appeal its decision. What are the chances the same insurance company that denied your claim would overturn its own decision?

Your chance of a successful resolution increases if you let our offices work with you as soon as you experience an initial denial. We’ll assist in managing your file communicating with your insurance company and determining if the denial was valid.

For those dealing with pain for months on end, depending on others for care, and feeling disengaged or isolated, chronic pain might be to blame.

Pain is not only physical – it has biological, psychological, and emotional factors and pain can become chronic if left untreated. Although chronic pain is difficult to diagnose, it has finally been recognized by the Supreme Court of Canada as a disability.

Learn more about long-term disability and chronic pain in this video.

Based on my experience seeing common errors that lead to LTD application denial, I walk you through the important and problematic components of the section you are required to complete in the LTD application process (often referred to as the Plan Member Statement). I provide tips to give your application a better chance of success.

Watch this video to learn more.

Based on my experience seeing common errors that lead to LTD application denial, I discuss how to work with your employer so they can properly complete their section of the LTD application (often referred to as the Plan Sponsor Statement). These tips will help your application be less likely to be denied.

Watch this video to learn more.

Although your physician has your best interests at heart, insurance adjusters regularly deny LTD claims because the physician has not provided enough information to understand why you can’t return to work. Based on my experience seeing common errors that lead to LTD application denial, I offer advice on how to work with your medical practitioner(s) to ensure your application has a better chance of being approved.

Watch this video to learn more.

Long term disability insurance is more permanent than short term disability insurance, as it provides you with a portion of your income for expenses, medical treatment, and rehabilitation in the event that your medical condition prevents longer-term employment.Even if your injury or illness occurs out of the workplace, you are eligible for disability benefits.

Watch this video to learn more.

If you are not able to work due to an injury or an illness, it is very important for you to be aware of the main reasons why an insurance company may deny your long-term disability claim.

1. Clerical or Procedural Errors
2. Having Pre-existing Medical Conditions
3. Committing Fraud or Misrepresentation
4. Not Meeting Eligibility Requirements
5. Policy Exclusions

Learn more about each reason in this video.

If you are unable to work because of an injury or illness, it is crucial to be aware of the reasons why insurance companies deny claims.

1. Objective Evidence or Insufficient Information
2. Treatment and Assessment Compliance
3. Contradictory Surveillance
4. Contradictory Online Evidence
5. Meeting Disability Definitions

Learn more about each reason in this video.

You should use the PQRST Method as a tool to help you accurately describe your pain to healthcare practitioners, so they can help you receive the care and compensation you need.PQRST Method

1. Provoked
2. Quality
3. Region
4. Severity
5. Time

Watch this video to learn more.

In this video, I focus on your physician’s statement for the LTD application, and the critical role they play in whether your application is approved or denied. I offer advice on how to work with your medical practitioner(s) to ensure your application has a better chance of being approved.

Although your physician has your best interests at heart, insurance adjusters regularly deny LTD claims because the physician has not provided enough information to understand why you can’t return to work. It’s critical for your physician’s statement to include the connection between your injury or illness and why those symptoms prevent you from being able to complete the primary duties of your employment.

Watch this video to learn more.

People often believe that settlement value is mostly determined by the extent of the injury. While this is a factor, the most important information is how the injury has impacted your life. In other words, what does the injury prevent you from being able to do and how does this affect you?

Watch this video to learn more.

Personal injury clients are often asked to undergo an Independent Medical Examination (IME). IMEs are an independent evaluation of your medical condition conducted by a medical professional.

Questions posed to you may be phrased differently depending on whether the medical examiner was retained by your own lawyer or the insurance company. This video explains how to prepare for an IME conducted for the insurance company and ensure you fully communicate your unique, subjective situation to the medical examiner.

Watch this video to learn more.

An Examination for Discovery is an important part of the legal process for personal injury victims. It is where parties and their lawyers come together to find out what you (the injured person) will say about their lawsuit at court.

Watch this video to learn more.

One of the most effective ways to settle a personal injury claim is during mediation, which can result in a fair settlement of your case without needing to go to trial.

A personal injury claim mediation has five participants:

1. You (the Claimant)
2. Your Injury Lawyer
3. Insurance Adjuster
4. Insurance Lawyer
5. Mediator

Watch the video to learn about the process of personal injury claim mediation.