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I just started back to work 4 hrs a day after being off with several problems with my hands including extreme arthritis in my thumbs. My owner said he thought I would retire when this problem came up. i told him I couldn't afford to. he said "it's going to happen so get ready for it" which i took as a threat that if I went back to full time hours he would lay me off in order to get out of "paying me out". i am 63 and have been working for this company for 30 years!!! I have only been off sick once before with a severe lung infection back in 2007? and went back to work against doctors orders which caused me to lose about 20 of the 40 lbs had just put back on (I lost a total of about 50 lbs while sick". I have a letter from my Dr. saying I can no longer do the job so I should qualify for Ltd but am sure Insurance will fight me even though their own physiotherapist agrees with my Doctor. Please help.
My recommendation is to file an LTD claim without any delay and follow very closely your doctor's advice. If the employer does not not abide by the return to work plan or terminates your employment then you would have a case against the employer. At the same time, if the insurance company turns down your claim despite medical evidence that supports your disability then you have a case against the insurance company. We can provide legal advice and representation for both cases so do not hesitate to reach out to our firm at the number below to discuss the matter further.