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 […]
Long-term Disability
This is our section on long-term disability benefits.
Navigating Long Term Disability Mediations: A Comprehensive Guide
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. […]
When Can I Refuse Medical Recommendations from My Insurance Company?
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 […]
Disability Insurance: Own Occupation vs Any Occupation + [video]
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 […]
Long Term Disability New Brunswick: Benefits, Rates Applying & More
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, […]
Disability Insurance and Retirement Planning: Why It Matters
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 […]
What is Disability Insurance? Types of Disability Insurance Explained
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! […]
When & How to Apply for Disability in Canada: Benefit Claim Guide
I wrote this article for people who are trying to determine when and how to apply for disability in Canada. This Guide is based on my 15 years of experience helping people win disability claims. It is a good starting point if you are trying to learn the basics about what disability benefits programs are […]
Returning & Not Returning to Work After Long-Term Disability Canada Guide
This article explains everything you need to know about returning to work after being on long-term disability, as well as everything you need to know if you decide that you are NOT returning to work after long-term disability. This includes how to prepare for a return to work (RTW) or a refusal to return, what […]
Long Term Disability Payout Calculator & Settlement Calculator
Trying to calculate a long term disability settlement amount can be difficult — especially if you aren’t a math guru, but you’re in luck! We built this long term disability settlement calculator to make your life easier! All you have to do is fill in the required fields, and you’ll be provided with a general […]