Navigating long-term disability (LTD) benefits can be challenging, and one of the biggest hurdles is the change of definition (COD) transition—a critical shift that can put your benefits at risk. In this change of definition LTD guide, I break down what this change means, why insurers use it to cut people off, and how you can […]
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Frustration of Contract Canada Guide: What to Do, Frustration Rules & More
Imagine this: you’ve worked hard for years, but an unexpected event like a severe illness or workplace disaster makes it impossible for you to return to your job. Suddenly, you’re facing the uncertainty of losing your employment through no fault of your own. What happens next? This is where the concept of frustration of contract […]
ADHD Disability Benefits: The Ultimate Guide for 2025
We wrote ADHD Disability Benefits: The Ultimate Guide for 2025 for adults in Canada who need to win or maintain disability benefits for Attention Deficit Hyperactive Disorder (ADHD). Receiving disability benefits for ADHD can have a number of benefits, particularly during the early diagnosis period. Individuals with this disorder often struggle with focus and concentration. They […]
Sun Life Long-Term Disability: Online Guide for 2025
In this article, we discuss everything you need to know about Sun Life long-term disability benefits. That includes a discussion of rules, as well as information about applying for benefits and appealing a denial. We also discuss Sun Life long-term disability complaints, important court cases, and more. Let’s get started! Need help with your Sun […]
Full and Final Release After Termination: Your Ultimate Guide for 2025
Being presented with a Full and Final Release is a pivotal moment for any employee facing termination. This legal document often accompanies severance packages and sets the stage for the future, closing the door on potential claims against your employer in exchange for compensation. Understanding the nuances of this agreement is crucial, as signing prematurely […]
CPP Disability Payments 2025: Dates, Eligibility, Amounts & More
CPP disability is an income replacement benefit program run by Service Canada. It pays monthly benefits to eligible people. To qualify, you must meet age, contribution, and disability requirements. I wrote this guide to explain how CPP disability works. With this information, you can figure out if you qualify for benefits and learn what steps […]
Constructive Dismissal Canada: What You Need to Know
Imagine waking up every morning dreading the thought of going to work. Your job, once a source of pride and fulfillment, has turned into a nightmare. Your employer has slashed your pay, changed your duties without consultation, or created a toxic work environment. You might think quitting is your only option. But what if you […]
What Is an Independent Medical Examination | How to Beat IME
If you have an open long-term disability claim with an insurance company, there will likely come a time when they ask you to attend an independent medical examination (IME). An IME is an assessment conducted by a doctor chosen by the insurance company to provide an impartial opinion about your medical condition and ability to […]
Am I Entitled to Severance Pay If There Are Gaps in My Employment?
If your employment history includes gaps and you’re wondering whether you’re still entitled to severance pay, you’re not alone. It’s a common question, and the answer depends on a few key factors. Severance pay is meant to help employees financially when they are let go without cause, but the presence of gaps in your employment […]
Case Study: Dr. Kim Mailman’s Long-Term Disability Victory
Imagine dedicating your life to a career where precision is everything. Every day, your hands are your tools—your lifeline to success and service. That was Dr. Kim Mailman’s world. As a dentist, he took pride in his ability to provide exceptional care to his patients. But everything changed when a tremor developed in his dominant […]