COVID-19: Filing an LTD Claim

TSF Law understands the daunting factors that come with a pandemic, both mentally and physically. Many Canadians have had to face manifestations of stress that are affecting their longterm health. People with employee group benefits, or with a personal medical insurance plans, are filing long term disability , ltd claims, as well as short term disability claims at a continuing rate. Insurance companies have already been penalized, and showcased in the news, for increasing their rate of claim denials during the COVID-19 pandemic – a time that leaves many feeling helpless and at a loss when faced with a denied disability claim

TSF Law is here to help you and fight for all benefits you are entitled to as a result of a denied insurance claim.

Medical Long Term Disability Claims

People suffering from previous health issues, prior to the pandemic, have faced an increase in symptoms and adverse affects as a result of the sudden socio-economic changes due to COVID-19.

Having to be quarantined has resulted in some losing the ability to maintain ongoing health initiatives that are pivotal to their ongoing health (examples of such include physiotherapy, group therapy, and even in some cases surgery). As a result, especially with the slow return of the economy, many Canadians seek to file long term disability claims, ltd claims, with their insurance company.

Physical Long Term Disability Claims – Ex.

  • Heart Disease
  • Diabetes
  • Rheumatism & Arthritis
  • Multiple Sclerosis
  • Gastrointestinal Disease
  • Ocular and Hearing Issues

Mental Long Term Disability Claims – Ex.

  • Anxiety & Depression
  • Mood Disorders
  • Personality Disorders
  • OCD & Bi-Polar Disorder
  • Addiction & Alcoholism
  • PTSD

Policy holders are hoping that LTD claims will help mediate there current physical and mental disability, for longterm longevity, as a result of COVID-19; unfortunately, many claims are denied. That doesn’t mean rightfully so, though.

Denied Long Term Disability Claim

If you are facing a denied long term disability claim, especially during this time of pandemic volatility, we urge you to speak to a lawyer who has an in-depth knowledge of insurance law. Most likely, your claim has been wrongfully denied in order to save the insurance company money. TSF Law are experienced lawyers who know how to navigate the insurance claims process, as well as fight for your rights and entitlements. Furthermore, TSF Law will pursue damages for any undue stress a denied claim has caused you, or your family, during this time.