Long-term Disability

If your long term disability (LTD) benefits have been denied by the insurance company you have two options, you can appeal it internally to the insurance company or file an external appeal, also known as a long term disability lawsuit.  Both options have advantages and disadvantages. However, most lawyers recommend opting for a lawsuit since […]

Navigating long term disability mediations can be complex, involving numerous elements and strategies. Here’s a comprehensive look at what to expect and how to prepare for these mediations. What is a long term disability mediation? Mediation is essentially a settlement meeting where parties in a dispute work to resolve their differences without going to court. […]

Facing a situation where your insurance company recommends a treatment you disagree with can be daunting. The insurer might even threaten to cut off your benefits if you don’t comply. Do they have the right to do this? When can you refuse and still retain your benefits? Let’s explore the rules and factors at play […]

If you’ve been on long-term disability insurance benefits for some time now, you may be familiar with the terms ‘own occupation’ and ‘any occupation.’ But what do they really mean? Most group disability insurance policies have a two-pronged definition of total disability. Initially, to be considered disabled, you need to be unable to perform the […]

If you’re looking for a long term disability New Brunswick guide, then you’re in the right place. In this article, I’ll review how long-term disability (LTD) works in New Brunswick, 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, […]

Retirement planning is an essential component of financial management, encompassing various strategies to ensure financial security during one’s later years. While many individuals focus on savings and investments, one aspect often overlooked is disability insurance. Disabilities can strike unexpectedly, posing significant challenges to retirement savings. In this article, we explore the importance of disability insurance […]

Let me guess: you stumbled upon this article after searching “What is disability insurance?” If so, you are in the right place! In this blog post, we are going to overview everything you need to know about disability insurance, including how it works, what it covers, the different types of disability insurance benefits and more! […]