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 […]
Long-term Disability
This is our section on long-term disability benefits.
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, […]
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 […]
Long Term Disability Nova Scotia: Benefits, Rates Applying & More 2025
Welcome to the 2025 Long Term Disability Nova Scotia Guide for Nova Scotia, drawn from my extensive experience as a disability lawyer who has assisted numerous individuals in securing long term disability benefits from insurance providers and government programs. If you have questions about this guide or any disability claim issue, please feel free to […]
Long Term Disability Alberta: Benefits, Rates Applying & More
This is your 2023 Long Term Disability Alberta Guide. It is drawn from my extensive experience as a disability lawyer who has successfully assisted numerous individuals in securing long-term disability payments from insurance companies and government programs. Given that you’re reading this article, it’s evident you’re on the right path. Self-education is crucial for improving […]
Long Term Disability Ontario: Benefits, Rates Applying & More
This is a long term disability Ontario guide for 2025. It is based on my experience as a disability lawyer who has helped thousands of people win long term disability payments from insurance companies and government programs. Let’s dive in. Long term disability Ontario guide In this guide, you’ll learn the following: What qualifies for […]