Guide to heart conditions and LTD: Disability Law Show S7 E03

GUIDE TO HEART CONDITIONS AND LTD on the Disability Law Show with disability lawyer and Co-founding Partner Sivan Tumarkin. Learn how to fight back against the insurance company and get what you're owed on Season 7 Episode 03 of the only disability law show on TV in Canada.

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0:00 Intro

1:04 Insurer causing added stress to a claimant on LTD
I've been on long-term disability for just over a year, due to ongoing heart issues as well as mental health. My case manager recently informed me they would be sending me to some of their psychologists in preparation for an eventual return to work. This has led to increased stress and anxiety. What can I do?

11:51*LTD denied despite doctor's recommendation*
While on short-term disability recovering from surgery, my son tragically passed away, and I developed severe depression. Despite my doctor’s strong recommendation that I wasn’t ready to return to work, my application for LTD was denied, with the insurer claiming I should be able to work.

Guide to heart conditions and LTD
16:13 1️⃣ Heart conditions, like heart disease and arrhythmia, can prevent you from performing even sedentary work.
18:08 2️⃣ Consistent treatment and monitoring by doctors and specialists is crucial for a successful claim.
19:22 3️⃣ It is vital to record all tests and referrals to specialists. Insurance companies often deny heart condition claims for “insufficient documentation”.

23:11 Insurer recommends mental health treatment
I've been on LTD for two years due to mental health issues. Recently, a new case manager insisted I attend a clinic for a treatment plan, despite my therapist’s concerns. Reviews of the clinic suggest they push patients back to work prematurely. When I shared my worries, the case manager dismissed them and threatened to cut my benefits if I didn’t comply.

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