Are you on or thinking about applying for long-term disability benefits? Has your employer offered you a severance package? If so, read this article before you sign anything. As you’ll learn, severance packages can have significant impacts on your long-term disability claim. So, do yourself a favour and take a few minutes to read this […]
Long-term Disability
This is our section on long-term disability benefits.
Can Long-Term Disability Insurers Reject Alternative or Holistic Treatments?
It’s easy to feel defeated when traditional medicine doesn’t seem to be working. But if you want to try holistic or alternative treatments, will your long-term disability insurance company cut you off? Keep reading to find out. It is very common for people on long-term disability to want to participate in every possible treatment to […]
Long-Term Disability and Pharmacogenomic Testing
Has your long-term disability (LTD) insurer asked you to undergo a pharmacogenomic test? Are you worried about getting cut off if you refuse to take the test? Do you have concerns about whether your insurance company can see your results? If so, you are in the right place! Over the past few years, pharmacogenomic […]
Will I Have to Pay the LTD Insurer’s Legal Fees if I Lose My Case?
In this article, we will discuss a concern we hear on a daily basis: what if I lose and have to pay the long-term disability (LTD) insurance company’s legal fees? Many of our clients worry about this, and rightfully so — the last thing you want to do is pay for your insurer’s legal expenses […]
New Brunswick Long-Term Disability: The Ultimate Guide for 2024
If you’re looking for an overview of long-term disability in New Brunswick, then you’re in the right place. In this article, I’ll review how long-term disability 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 To Do if Your Doctor Won’t Fill Out Medical Report Forms
Applying for disability benefits is a hard task to do on your own. Throw in the fact that your doctor won’t fill out disability medical report forms, and that’s a recipe for disaster. So, is there anything you can do? Luckily there is. In this article, I’ll go through some of the reasons why your […]
Can You Work Part-Time While on Long-Term Disability in Canada?
The story usually goes something like this. You have been struggling with a disability for several months or maybe years. You are worried about your financial situation or simply don’t want to “give up,” so you don’t apply for long-term disability benefits (LTD). As your condition worsens and your life spins out of control, you […]
Can You Travel While on Long-Term Disability?
Travelling the world is one of the greatest things a person can do. For most people, the trouble is just finding the time and money to book a ticket. But for those who are on disability benefits, travelling can become slightly more complicated. Every year we get tons of questions about this. Can you travel […]
Long-term Disability Surveillance: Online Guide 2023
Insurance companies frequently conduct video, audio and online surveillance of people who have applied for long-term disability benefits. This surveillance is done without your knowledge or consent. After reading this guide, you will understand how surveillance works in long-term disability claims. You will also know your rights and the rules insurance companies must follow. This […]
Independent Medical Examinations and Long-Term Disability: Tips for Success
If you have an open long-term disability claim with an insurance company, there will likely come a time when they ask you to attend an Independent Medical Examination or IME. This might seem frightening at first, and you’ve probably heard some horror stories. What I’m going to share with you today is what you must […]