Throughout the course of your long-term disability claim, your insurer will likely ask you or your doctor to provide them with your medical records. For many people, this process is relatively simple: the insurance company asks your doctor, and they give them the records. However, sometimes doctors or specialists will refuse to send your medical […]
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Paying Taxes on CPP Disability Benefits: Your Top 5 Questions Answered
Are you wondering if you have to pay taxes on your CPP disability benefits? How can you avoid getting stuck owing a huge amount of money? Have no fear — David is here! I’m not a tax accountant, but I will do my best to help answer these tricky tax questions. If you are still […]
Is Long-Term Disability Income Taxable in Canada?
If you have been receiving disability benefits, you might be wondering if your long-term disability income is taxable or not. In this article, we will answer that question for you. After reading, you should be able to determine if you have to pay taxes on your long-term and short-term disability income as well as other […]
Notice of Readiness Form for the Social Security Tribunal: The Fatal Mistake to Avoid
If you are currently appealing your CPP disability benefits claim to the Social Security Tribunal, and have received the Notice of Readiness Form in the mail, then this may be the most important article you have ever read. You are about to learn how you can avoid the single biggest mistake. This is a mistake that […]
Can I Still Do My Side Hustle While on Long-Term Disability for My Main Job?
Nowadays, a lot of people have more than one job. They will have their main job as a nurse, teacher, etc. And they will have a part-time or seasonal position somewhere else. The question a lot of these individuals have is whether they can continue working their side-hustle job while on long-term disability (LTD) for […]
How to Apply for Long-Term Disability in Ontario
Are you looking to apply for long-term disability (LTD) in Ontario? Have you been searching for a step-by-step guide? If so, you have stumbled upon the right article. In this post, we overview a simple (but complete) 7-step process to complete your application for long-term disability in Ontario. This article is part of our Definitive […]
Case Study: Todd Wilson
By late 2021, Todd became unable to carry on with his duties as a manager in a retail environment. He was struggling with burnout that was accompanied by cardiac issues, anxiety, and stomach pain. After realizing burnout isn’t considered a medical condition, he quickly realized that he might have issues getting his long-term disability (LTD) […]
Earning Money on CPP Disability: What is substantially gainful work? [+videos]
If you are in the application process or have been on CPP disability for some time now, you probably already know that there are several eligibility requirements for this benefit. For instance, you need to have contributed enough to CPP, be under the age of 65 and have a disability that is severe and prolonged. […]
Case Study: Helen Smith’s CPP Disability Victory
Imagine building a career in sales, thriving in a fast-paced, demanding environment. For Helen Smith, being a sales consultant wasn’t just a job—it was her passion. But everything changed in 2010 when she began experiencing a host of debilitating symptoms: cognitive impairment, chronic pain, muscle weakness, and fatigue. Despite her determination to push through, her […]
Pre-existing Conditions and Long-Term Disability
Did the insurance company deny your benefits because your condition was pre-existing? Are you worried you won’t be able to get on long-term disability because you suffered from a condition in the past? If so, you are in the right place. Pre-existing conditions are one the most common reasons for a long-term disability denial. Most […]