The Toronto-Dominion Bank is a Canadian multinational banking and financial services corporation headquartered in Toronto, Ontario. The bank and it’s subsidiaries have over 89,000 employees and 26 million clients worldwide. In Canada the bank operates as TD Canada Trust and serves more than 11 million customers.
TD offers many of its employees short-term and long-term disability benefits through Manulife. Usually, TD is responsible for the payment of short-term disability benefits and the claim is administered by Manulife. The claim is supposed to transition into long term disability and the benefits are then paid by Manulife.
TD employees who are receiving short term disability benefits are often surprised and frustrated when Manulife terminates their benefits before the transition to long term disability takes place. Manulife often makes this decision based on the opinions of doctors it hires who have never met the claimant. TD then follows Manulife’s decision and stops paying short-term disability benefits to its employee.
The termination of disability benefits can put claimants in further financial jeopardy and serve to increase their stress, anxiety and depression levels.
Manulife offer’s an internal appeal process that serves to further frustrate TD employees who are disabled. We do not recommend that claimants engage in the internal appeal process as we have rarely seen denials overturned by its use.
At Kotak Law, we represent people who have been denied short term disability and long term disability benefits. We are strong and compassionate advocates who have successfully sued insurance companies including TD, Manulife, Sun Life, Desjardins, Blue Cross, Great West Life, Canada Life, AIG, SSQ, Industrial Alliance, RBC, Canada Life, Equitable Life and more.
If you have been denied short term disability benefits you are no doubt feeling frustrated by the process. We are committed to helping people access the disability benefits they have been denied and we understand your frustration with your insurance company.
We offer free consultations and don’t charge until your case is resolved. We represent people throughout Ontario and for those who cannot meet us at one of our offices, we offer a consultation at your home, a local coffee shop, courthouse, by telephone, Skype, Zoom or WhatsApp.
KOTAK PERSONAL INJURY LAW/DISABILITY LAWYERS CAN HELP YOU
We understand that being denied short term disability or long term disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling a disability claim lawyer at Kotak Personal Injury Law. We have successfully sued numerous disability insurance companies including TD, Manulife, Sunlife, Desjardins, Great West Life, Canada Life, Equitable Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.
Call your trusted long term disability lawyers at 1-888-GOKOTAK or (416) 816-1500. Our consultation is free and we don’t get paid until you do. We can meet you at our offices, a coffee shop, your home, by Skype or Zoom, or a local courthouse. We represent disabled people throughout Ontario including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Guelph, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa and other locations.