A Transferable Skills Analysis (TSA) is more than just a vocational assessment—it’s a critical factor in determining your future employability if you’re unable to return to your previous job due to an injury or disability. For decades, vocational rehabilitation professionals have relied on TSA to evaluate a person’s education, training, work experience, and functional abilities, […]
Disability Benefits
Is Diabetes a Disability in Canada? Your Guide to Disability Benefits for Diabetes
Yes, diabetes is considered a disability in Canada, and you may qualify for benefits like long-term disability insurance, CPP disability, provincial disability programs, and the Disability Tax Credit. But here’s the catch—getting approved isn’t always easy. Living with diabetes is more than just checking blood sugar and taking insulin. It can mean unpredictable highs and […]
RBC Long-Term Disability: The Ultimate Guide for 2025
If you have an RBC long-term disability policy—whether through your employer or an individual plan—you may assume your benefits will be there when you need them. But getting approved for long-term disability benefits isn’t always straightforward. RBC Insurance has a reputation for aggressive claim denials, especially for self-employed professionals and business owners with individual policies. […]
Converting CPP Retirement to CPP Disability: What You Need to Know
Have you applied for early CPP retirement and are wondering if you should have applied for CPP disability instead? Are you getting CPP early retirement payments and want to know if you can switch over to CPP disability? If so, you’re definitely not alone! As a member of the support team at Resolute Legal, I […]
Long and Short-Term Disability For Pregnancy in Canada
Pregnancy isn’t a disability, but it can bring unexpected health challenges that make working impossible. If complications arise, you may wonder: Can I get short-term disability for pregnancy? What if I’m already on disability when I become pregnant? And how do maternity leave and disability benefits work together? These are important questions—especially since insurance companies […]
The Disability Tax Credit: Your Online Guide for 2025
The Disability Tax Credit (DTC) is one of the more challenging disability benefits to understand and ultimately get approved for. The eligibility requirements are stricter, and the definition of impairment is more specific. For that reason, we decided to write this article to help people better understand the requirements as well as how to apply […]
Long-Term Disability Newfoundland: Benefits, Rates, Applying & More 2025
If you’re looking for a long-term disability Newfoundland (NL) guide, then you’re in the right place. In this article, I’ll review how long-term disability (LTD) works in Newfoundland, compare the different programs and benefits you can get, and provide you with a step-by-step process on how to apply. Once you’ve read this article, you should […]
Manulife Long-Term Disability: The Online Guide for 2025
This article discusses everything you need to know about Manulife’s long-term disability benefits. This guide covers the rules and information about applying for Manulife disability insurance, what happens after two years of being on Manulife long-term disability benefits, and how to appeal a denial. If you need to win disability benefits from Manulife Insurance — it’s […]
Long-Term Disability BC: The Ultimate Guide for 2025
If you’re looking for an overview of long-term disability in BC, then you’re in the right place. In this article, I’ll review how long-term disability works in BC. I’ll also compare the different programs and benefits. Finally, I’ll cover how to apply for long-term disability in BC. Once you’ve read this article, you should know […]
Change of Definition LTD Disability Explained
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 […]