Long-Term Disability Claims

The “own occupation” clause in long-term disability insurance defines a period, usually the first two years of a claim, where benefits are paid if you…

When long-term disability (LTD) benefits are terminated after years of approval, it usually signals that the insurance company believes you no longer meet the specific…

Though the days of lockdowns, vaccine passports and physical distancing seem to be mostly behind us, the risk of contracting COVID-19 is still great. At…

Unfortunately, victims of personal injuries are often unable to care for themselves, to complete housekeeping tasks or to do chores around the house the way…

As the chill of winter settles over Ontario, it brings with it a unique set of challenges that can significantly impact mental health. The combination…

What happens if your Long-Term Disability (LTD) insurer denies your claim for LTD benefits, stating that you are either too late to make a claim…

Claimants with group or individual Long-Term disability (LTD) benefits coverage who become disabled from work cannot always depend on their insurance companies to make fair…

As wildfires rage throughout Ontario and Quebec, the skies above cities and communities as far as New York City have turned hazy and smoky. The…