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Top 5 Reasons Your Long-Term Disability Can Be Cancelled

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Top 5 Reasons Your Long-Term Disability Can Be Cancelled

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.
long-term disability cancelled

If you have had your long-term disability cancelled Ontario residents should be aware that there are several reasons why this may have happened. Some of the reasons that cause cancellation are very easy to rectify. Other reasons may require the services of a lawyer.

Knowing the most common reasons for having your long-term disability cancelled will help you quickly fix the problem and get your benefits back on track.

1. Missed Deadlines for Paperwork Submission

One of the most common reasons that long-term disability payments are cancelled is due to missing deadlines for filing paperwork. The insurance companies are very strict about filing paperwork for your claim and often put very tight deadlines on their submission because it is one of the easiest ways to deny or stop benefits.

2. Missed Doctors Appointment

The insurance company is going to monitor your medical care when you are collecting benefits closely. If they see that you are missing doctor appointments, they have the ability to cancel your long-term disability payments. It is the belief of the insurance companies that if you continue to miss medical care that you are no longer in need of that care and, therefore, no longer considered disabled.

3. Refusal of Medical Therapy or Treatment

You can have your long-term disability cancelled if you refuse certain types of treatments or therapies prescribed by the insurer for your condition. Even if you disagree with the treatment plan or purpose, failure to comply with these treatments can result in cancellation. The insurance company believes that you are obligated to do everything within your power, including trying therapies prescribed at their discretion, to make yourself better and get off the long-term disability program.

4. Refusal to Attend Independent Medical Examination

The insurance company reserves the right to ask for an independent medical exam. This exam is strictly for legal purposes and is supposed to be used to determine if you qualify for benefits. Refusal to attend this exam can end your case for benefits or have your benefits cancelled. You must attend this appointment if you want to receive any benefits.

5. Acting in a Manner Not Consistent with Your Disability

It is very important to understand that the insurance company will most likely record your activities. If you are in a public space, including in your driveway or on the sidewalk outside your home, they have the right to record your actions for review. They will often check your social media accounts as well. The insurance companies are more prone to record people that are younger or ones that are getting large payments each month.

For example, if you are seen dancing at the club, it will be very hard to show that your back injury is preventing you from working. Being seen bending and lifting large items, participating in sports or other similar activities, and even carrying several bags of groceries into your home at one time can cause the insurer to reconsider your disability status.

It may not seem fair that you are most likely under continual surveillance, and you are right. However, the main goal of every insurance company is to collect premiums and avoid making payments. These insurers will do whatever it takes to make sure they protect their profits.

Speak with a Long-Term Disability Lawyer

Some of the reasons that your benefits for long-term disability have been cancelled are very simple and easy to fix. If you have forgotten to submit paperwork, a quick call to the insurer may be able to straighten out the entire problem. However, some issues may be much more complicated to straighten out and will require the assistance of a lawyer.

If you have had your long-term disability cancelled Ontario insurance recipients are encouraged to call a long-term disability lawyer. Your lawyer can review the reasons for your disqualification and help you reestablish your claim for benefits.

Disclaimer: The content of this article is a general guideline made available for educational purposes only and is not intended to be used as legal advice for the reader’s specific situation nor in general. By reading our blog and website content, the reader acknowledges the above and understands there is no lawyer-client relationship created between you and Himelfarb Proszanski through this content. To get specific legal advice, we encourage you to book a free consultation with one of our lawyers to clarify the legal aspects of your situation.

Timing is Critical. Help is Free.

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

Timing is Critical. Help is Free.

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

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Sherene AlySherene Aly
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I was very pleased with my decision to retain David and his team for my case. Melissa Gizzo was simply amazing and was able to secure a fair settlement for me.
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I highly recommend Dan Holland as a disability lawyer. His commitment to my case made the process seamless. Dan's clear communication and ability to simplify complex legal matters made it easy for me to understand every step. He demonstrated genuine concern for my best interests, making him not only a skilled attorney but also someone easy to talk to.Dan’s support extended beyond legal expertise; he alleviated my stress during the long-term disability case. His calm approach and unhurried demeanour ensured that there was no rush in our collaboration. This, coupled with his dedication, made the entire experience more manageable, fostering confidence in his ability to handle the case with meticulous care.I wholeheartedly endorse Dan for anyone seeking a lawyer who not only gets results but also prioritizes your peace of mind.
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My mom was involved in an accident impacting her daily life and ability to work. Dan Holland has worked with us during the duration of our case and has been helpful in fighting for her and supporting us, and organizing the things we needed. Our family is incredibly grateful of the outcome Dan was able to obtain for us. I would highly recommend him!
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I'm so happy I chose Mena Brar and her team represet us . We could not ask for a better team she is so kind, loyal, and honest. she spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. I appreciate you. Did it for me and how this will help me get back on track with my life. keep helping others. You are doing amazing works, Mena Brar. I wish you all the best.
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Andrew CoutoAndrew Couto
23:10 21 Nov 23
I'm so happy I chose David as my lawyer. I spoke to a few lawyers before finding David and I noticed majority of them spoke to me in a way that felt demeaning or that my case wasn't big enough or important enough to take. One phone call with David and my opinion on lawyers changed. He spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. The whole process was wonderful. From dealing with David's law clerk Ingrid whom is an amazing and kind woman to his legal assistant Melissa whom is another amazing kind and talented young woman. I was so stressed about this case but from day 1 they helped ease that stress and always answered all my questions promptly and respectfully. I couldn't believe David got me to mediation within 6 months of being cut off my LTD and got me a settlement way beyond my expectations. I can't say enough good things about this law firm but I guarantee you that if you need a lawyer to fight for you David is your guy! . Believe me when I say this is the law firm for anyone dealing with personal injuries especially LTD denial claims. Thank you so much to David, Ingrid and Melissa you truly don't know how much I appreciate all you did for me and how this will help me get back on track with my life. Keep helping others you guys are doing amazing work! I wish you all the best!
Rose RegazziRose Regazzi
21:15 11 Oct 23
I sustained a relatively painful injury, affecting me long term.I wouldn't otherwise had pursued it, as it involved a relatively large corporation, but felt it necessary to do so. However, many lawyers were daunted, with one, who actually referred me to HIMPRO.I was connected with Dan Holland, who reviewed the case, provided with me realistic expectations, sound advice and had a willingness to move forward and represent me.His calm and professional demeanor, brought me to a place of reassurance. His ease in addressing all facets of this process, clearly demonstrated a wealth of experience. There was never any hesitation, when being challenged, and felt my best interest was always in the forefront.This case has since been resolved, to my complete satisfaction.Without reservation, HIMPRO (and Dan Holland, in particular), would be the only firm I would recommend for these type of cases.
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