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Long Term Disability (LTD) Denials Amid the Covid-19 (coronavirus) Pandemic – Bad Faith

  Bad faith in long-term disability (LTD) claims – Ontario?   Insurers offer long-term disability (LTD) insurance which protects persons who become disabled due to illness or injury and are unable to work.  Legally, LTD policies are contracts and the law of contract applies. The parties’ interests and mutual promises are contained within the policy wording. In general terms the insured promises to be truthful when applying for benefits and to pay premiums and the LTD insurer promises to pay benefits if the insured meets the test of disability under the policy. The types of benefits paid, and conditions of payment are contained in the LTD policy. LTD policies and what is covered therein varies from policy to policy.   The insured person must act fairly and honestly …

Long Term Disability Claims and the COVID-19 (Coronavirus) Pandemic

Long Term Disability Claims and the COVID-19 Pandemic The health crisis posed by the impact of COVID-19 means everyone will be impacted in different ways. Elderly persons and those with pre-existing health conditions are most vulnerable to the virus. What Happens if You Are Denied Long-Term Disability Benefits during the Covid-19 Pandemic? Disability policies of insurance remain in force during the pandemic. If the policy is in good standing and premiums have been paid, your rights under the policy remains in effect. If you become disabled for any reason, you have the right to make a claim for disability benefits. If you are denied benefits under a policy of insurance during the pandemic, you have the right to pursue the insurer and we can help you. The COVID-19 …