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IN PERSON:

Tarinder Singh

Insurance

Company Denies

Payment of

Disability Benefits

to Truck Driver

45-year-old Tarinder Singh had been

driving his own transport truck as an

owner/operator for more than 10 years.

Even though he was self-employed,

he did most of his driving for a large

haul company transporting all sorts of

goods from manufacturers to retailers

throughout Ontario and other parts of

Canada too. It was recommended to

him by the transport company that as

he was an owner/operator, he should

arrange his own insurance as he would

not be covered by the usual Workers’

Compensation laws. Tarinder arranged to

get his own disability insurance to cover

him in the event that he could not work

due to illness or injury.

THE INCIDENT WITH LIFE-

CHANGING RESULTS

During one of Tarinder’s deliveries, he

landed awkwardly when getting out

of the truck and suffered a significant

injury to his left ankle. A few years back

he had developed diabetes, which was

reasonably well-managed by medication,

however, his diabetes coupled with the

significant fracture to his ankle, resulted

in complications and the doctors were

uncertain about how quickly Tarinder

would recover. They were concerned

that he would be left with permanent

restrictions that would make it difficult

for him to operate a transport truck.

INSURANCE COMPANY DENIES

CLAIM FOR DISABILITY BENEFITS

Initially following the incident, Tarinder

and his family had hoped that he

would recover quickly without any

serious disruption to his work. After

surgery, when the complications made

it apparent that Tarinder would not be

returning to his work anytime soon, he

pulled out his disability insurance policy

and contacted the insurance company to

get the claim process going.

Tarinder was shocked and in disbelief when his

insurance claim was denied.

ISSUE 21, AUTUMN 2011 FAMILY NEWS IN PERSON, Continued DID YOU KNOW: Facts About Diabetes ASK A LAWYER Diabetes & Disability Insurance COMMUNITY DONATION PROGRAM KIDS HELP PHONE WALK-A-THON UPDATE YOU SAID IT!

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ISSUE 56, JUNE 2015

Call (416) 488-9000 for your free copy of Disability Benefits Denied: What To Do When The Insurance Company Denies Your Disability Claim. FREE DISABILITY BOOKLET SETTLEMENTS We have recently settled cases with: Clarica TD Life Liberty Health Prudential Equitable Life, and many more