Does your policy require you to be “totally disabled” before you may receive LTD benefits? While there is no one specific definition for this phrase, the Supreme Court of Canada has provided some clarification in this regard. The Supreme Court has held that the test of “total disability” is satisfied if a reasonable person would recognize that he or she should not engage in certain activity even though he or she literally is not physically unable to do so.
Have you received a letter from your insurance company denying or terminating your claim for LTD benefits? Have you been provided a reason as to why your benefits have been cut off? You or your treating physicians will need to provide certain medical forms before your benefits can be approved. Your policy will require you to provide objective evidence.
Have you been in receipt of LTD benefits for nearly two (2) years, only to get a letter from your insurance company stating that you do not meet the requirements of a new definition of disability? Depending on the policy, after receiving LTD benefits for two (2) years, you may need to show evidence that you are unable to perform any job for which you are reasonably suited. Regardless of the reason, in any case where your LTD benefits have been denied initially, or cut off after receiving them for some period of time, you need to speak to a lawyer about your options.