FAQ Group: Policies

What will a lawyer do if I am denied LTD benefits? by Patricia Santucci

At Santucci Personal Injury Law, we fight your insurance company to pay any wrongfully denied benefits. We will also fight to have your LTD payments reinstated. Sometimes we will obtain a lump sum payment. We may also claim that your insurance company acted in “bad faith” by acting unfairly when it denied your claim, and […]

Can my insurance company videotape me? by Patricia Santucci

Yes. Most insurance companies will hire private investigators to follow you and take photographs and video footage. They may even interview your neighbours and former co-workers. However, they must not disobey the law with respect to trespass or privacy invasion. If you suspect that an investigator has broken the law, or if you fear for […]

Can I still do volunteer work and qualify for LTD? by Patricia Santucci

Yes, you can do unpaid volunteer work and qualify for LTD benefits. However, you must be careful that doing so does not provide evidence that you are not actually “disabled” as defined in your insurance policy. It is also important to tell the truth if asked about your volunteer work, whether in a statement, at […]

Can the insurer make me go to a doctor? by Patricia Santucci

Yes, most insurance policies will require you to attend an assessment by a doctor that the insurance company chooses, in order for you to be eligible to receive or continue to receive LTD benefits. Also, if you have brought a lawsuit against the insurance company, they have the right to send you for an independent […]

How long will my LTD benefits last? by Patricia Santucci

Your LTD payments should continue until you start working again, reach the maximum duration under your policy (usually age 65), or die. Coverage differs from policy to policy. As long as you continue to qualify, you will be covered until you have reached the maximum duration as set out in your policy. You are usually […]

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Roger D. Yachetti April 14, 1940 – September 16, 2018 “Carve your name on hearts, not tombstones. A legacy is etched into the minds of others and the stories they share about you.” – Shannon Alder Inspiring people lead by example. Their passion, intelligence, and leadership reflected not just through their own achievements, but also […]

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