Have you received a letter from Empire Life stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone.
Most Empire Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually for the first two years disability is defined as an inability to perform the essential tasks of your pre disability employment. However, after two years of paying disability benefits the Empire Life policy may define disability as being totally disabled from performing any gainful occupation that you are suited by way of education, training or experience.
Once the two year mark is reached Empire Life may justify it’s termination of your disability benefits by telling you that you can do some other from of sedentary work such as being a greeter in a store , a dishwasher or a cashier.
If your long term disability claim is terminated by Empire Life in this manner you should seek the advice and assistance of a disability claim lawyer as soon as possible. Your lawyer can help you marshall the medical evidence you may need to establish that you do in fact meet the definition of total disability as set out in the Empire Life insurance policy.
Often people suffering from chronic pain, fibromyalgia, IBS, ptsd, degenerative disk disease, depression, stress or anxiety are unable to perform any other job due to their condition. There are numerous other medical conditions that may prevent you from working and you should not be intimidated by Empire Life’s insistence that you can do some other job that you have never done before.
If you have been denied short term or long term disability benefits by Empire Life or another disability insurance company you are no doubt feeling frustrated by the process. At Kotak Law we are committed to helping people access the disability benefits they have been denied and we understand your frustration with your disability 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 consultation at your home, a local coffee shop, courthouse, by telephone, Skype or WhatsApp.