Why have your long term disability benefits been terminated?

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Book a Free Consultation

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

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.

Your Insurer may terminate your benefits on many grounds. The Insurer’s ability to terminate benefits arises from the terms of your policy of insurance. Policies vary and must be reviewed carefully. We recommend having your policy reviewed by a lawyer to ensure that your rights are protected.

The most common reasons for terminating benefits are:
1. Failure to provide medical records
2. Failure to provide updated medical records
3. Failure to be under the ongoing care of an appropriate medical professional for the symptoms of your disability
4. Failing to avail yourself for the insurer’s vocational rehabilitation program even if your treating physician has advised against it.

The insurer may also review the medical records your physician has provided and make their own assessment that you are able to return to your own pre-disability position believing you are able to perform substantially all of the key elements of your job notwithstanding you have substantial ongoing symptoms.

You have an ongoing obligation to keep your insurer advised of your medical status and to provide the insurer updated medical records. It is important that you see your treating physician very regularly. It is important that you ask your treating physician if referral to a specialist would be appropriate. If your insurer requests that you attend its rehabilitation program please seek a medical opinion from your treating doctor immediately and prior to attending.

If your treating physician’s recommends that you do not attend the rehabilitation program you must advise your insurer. The insurer is likely to maintain its demand that you attend the rehabilitation program even though your physician advises you against it. Failing to attend the rehabilitation program may result in termination of benefits. This is a common tactic of the insurer. Seek legal advice immediately. The Court takes a negative view of this tactic. You need a knowledgeable disability lawyer to assist you.

For more information, visit our disability lawyer section. If you have any questions, book a free consultation or call 1-855-446-7765 for immediate assistance.

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.

Book a Free Consultation

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

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.

Book a Free Consultation

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

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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This had been an amazing service, they know what they are doing. They got me what I deserve, they have the experience and I was very satisfied with the results. I highly recommend my family and friends to HIMPRO.

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4 weeks ago

HIMPRO recently represented me for an insurance claim. They are a great firm, and more importantly, genuinely good people. I highly recommend them. From the beginning, they handled my case professionally and compassionately. Mena was amazing, her attention to detail and understanding made the process so much better. David and Silene also worked on my file and they were both honest, and highly knowledgeable lawyers. I felt fully informed and I was able to trust their judgement completely. My case was resolved in a very reasonable time given my circumstances. In my opinion, you will not be able to find a better group of people to handle your legal issues.

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I am so grateful to have had this incredible team on my side after my wrist was broken in in a car accident, They guided me through the complex legal process and assured I received the maximum settlement possible. I discovered first hand that our legal system demands victims have experts guide and advise them if they have any hope for a fair resolution. A huge thank you to Silene, Ingrid, Spencer and the rest of the awesome team for all their support.
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David, Mena and Silene were all professional and extremely helpful in getting my case resolved. Mena was quick to get back to me when I had any questions. I had a great experience with all of them.

Ayodeji Osikoya

5 months ago

My wife and I were involved in an accident in 2023, and we were fortunate to have HIMPRO Personal Injury and Long-Term Disability Lawyers represent us. From day one, their team showed outstanding professionalism, compassion, and dedication.

We especially want to thank David, Alex, and Mena for their incredible support throughout the process. They were always available to answer our questions, kept us informed at every stage, and genuinely cared about our well-being. Their guidance made a stressful time much easier for us to handle.

Thanks to their hard work and expertise, we achieved a great outcome, and they are still working diligently to obtain additional compensation from the insurance company and pursue the catastrophic designation for my wife.

We are deeply grateful for everything the HIMPRO team has done for us. If you ever need experienced, trustworthy, and compassionate lawyers who will truly fight for you, we highly recommend HIMPRO.

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HIMPRO is a leading law firm with full service personal injury and disability insurance lawyers. We have been recognized by Best Lawyers and assigned the highest rating, AV Preeminent, from Martindale-Hubbell. We provide a combined century of trial experience which has led to the successful settlement of over 10,000 cases with combined settlement value in excess of ¾ billion dollars. Our mission is to win your case. At HIMPRO by Himelfarb Proszanski we build winning cases. That’s the HIMPRO Advantage™.

CONTACT

info@himpro.ca
1-855-446-7765

LOCATION

Toronto Disability Lawyers
480 University Ave
Suite 1401
Toronto ON
M5G 1V2
(416) 599-8080

Brampton Disability Lawyers
2 County Ct Blvd
Suite 400
Brampton ON
L6W 3W8
(905) 595-6760

Hamilton Disability Lawyers
1 Hunter St E
Ground Floor
Hamilton ON
L8N 3W1
(905) 777-8002

Kitchener Disability Lawyers
22 Frederick St
7th Floor
Kitchener ON
N2H 6M6
(519) 772-7659

Oshawa Disability Lawyers
21 Simcoe St S
Oshawa ON
L1H 4G1
(289) 634-5554