LTD Terminated - what now?

I received an email from my insurance company that my LTD has been terminated after three and a half years. The email says I no longer meet the definition of total disability.
I am being offered the same position I had before which I cannot perform due to my health issues.

I was told I can appeal this but I don’t even know how to begin this process. I’m also unionized so I don’t know how that that works either.

Any advice would be appreciated

Sorry to hear that Portia. Since you have been on LTD for 3.5 years, you were obviously deemed fully disabled. You will need to appeal the decision. How to appeal it should be outlined in the letter you got. There is also a very helpful article here on resolutelegal: https://www.resolutelegal.ca/how-to-appeal-disability-insurance-claim-denial/

It sounds to me from your previous posts on here that you did not send your insurer the requested medical info that they asked for from specialists. You said this is because of covid and you are unable to get in with the specialists. Unfortunately this is unchartered territory. It sounds like they are using this as an excuse to cut you off. I think you will win your appeal easily if you provide them with the info showing you are disabled as requested. It is just them hoping you will go away and give up.

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Yes, please reach out to our support team. We can review your situation and give you a plan. Then depending on your situation you will likely have options to implement the plan yourself, working with your union, or working with us or other law firms.


David Brannen

Disability Lawyer with Resolute Legal

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