When you are working, your disability insurance benefits may come from various sources. Some plans are company paid while others are essentially paid by the employee.
An Ontario man was covered by his union’s long term disability insurance when he fell ill with a chronic and potentially fatal blood disorder. He was denied both short term and long term benefits when his case fell figuratively between the cracks.
The man worked in the car shipping industry for more than four decades and his insurance came via his union, originally the Teamsters. However, he became ill in August of 2009 – the same month the Teamsters were voted out of his local and the Canadian Auto Workers were voted in.
He’s been caught in the middle ever since as both unions deny responsibility for his illness, which they claim happened during a five-day window in between the Teamsters coverage and the new CAW plan took effect. They’re claiming, in effect, that he has no benefits at all.
Naturally, he’s pursuing his claim in court.
It Gets Complicated
In any case where there may be more than one insurer, you can expect this kind of complication as both (or more) companies will try to shift their liability to the other.
Disability insurance is supposed to provide some financial security and peace of mind to people who are unable to work due to a medical condition. At Petrillo Law, we understand that you are not only dealing with your health issues, but you are also concerned with being able to meet your financial obligations.
If you qualify for a Disability Insurance Claim and your insurance company is denying your claim, you need sound and proven legal representation.
- Petrillo Law can help. We are experienced disability lawyers who have been able to obtain favourable results for hundreds of disabled clients across Mississauga, the Greater Toronto Area (GTA) and Ontario.
We Focus On You
Petrillo Law has been providing competent, caring legal advice when it comes to disability claims in Mississauga, the Greater Toronto Area (GTA) and across Ontario for over 20 years. We can evaluate a case to determine whether it meets the provincial threshold required to start a lawsuit as well as represent injured people who have been denied accident benefits by their own insurance company.