Failure to Obtain Medical Treatment and Follow Your Doctor’s Advice Could Hurt Your Ontario Disability Claim

Most short term and long term disability insurance policies state that in order for you to receive benefit payments you must not only report your symptoms to your physician but also comply with the treatment recommendations that your doctor gives you.

Furthermore, if you have not told your doctor about the condition that is preventing you from working, your disability insurance company will conclude that you can work at your own job or another one.

Sometimes your family doctor will refer you to a specialist or prescribe medication or physiotherapy.  Not following your doctor’s treatment protocol could be fatal to your disability claim in Ontario.

If you cannot do the treatment that your doctor is directing you should follow up with them and explain why. Sometimes you may have valid reason, such as that the prescribed medication is causing severe side effects.  Additionally, you may not have the financial resources to pay for treatments such as extensive physiotherapy.  Report this to your doctor and they may then order more suitable treatment options depending on your situation.

You should keep records of all the treatment you have tried including medication, supplements,  physiotherapy, naturopathic medication, acupuncture, counselling, chiropractors, aqua therapy, social workers, psychologists, etc.



We understand that being denied disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling long term disability lawyer. We have successfully sued numerous disability insurance companies including: Manulife, Sunlife, Desjardins, Great West Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.


Call your trusted long term disability lawyers at 1-888-GOKOTAK (Toll Free for all of Canada), or (416) 816-1500 (Local Number for Ontario Residents), (403) 319-0071, (587) 414-1010 (Local Numbers for Alberta Residents). Our consultation is free and we don’t get paid until you do. We can meet you at our offices, at a coffee shop, your home or a local court house. We represent disabled people throughout Ontario and Alberta, including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa, Banff, Brooks, Calgary, Edmonton, Fort McMurray, Grande Prairie, Jasper, Lake Louise, Lethbridge, Medicine Hat, Red Deer, Saint Albert and other locations.


Disclaimer: This article is intended to supply general information to the public. We make every effort to ensure the accuracy of this information. However, as laws change quickly, the reader should always ensure the accuracy and applicability of such information with respect to their particular case. The information contained in this article cannot replace a thorough and complete review of the reader’s situation by competent legal counsel who has had an opportunity to review all of the facts.