Disability insurance is a type of policy that protects the insured when an accident or illness occurs that renders him/her unable to work. With this policy, the insured will get a regular income when they are unable to work as a result of an accident or illness. Insurers also review the application for insurance when […]

Many Canadian employers offer long term disability in their employment package as a way of engaging, retaining and supporting their staff.  Long-term disability insurance is designed to protect the insured against accidents illness or injuries that impact on their ability to work. Every LTD policy is unique but there are some similar aspects that you should […]

When faced with an injury or illness that impacts on your ability to work, you may collect benefits from your disability insurance provider. However, there are many cases of insurance companies that deny claims. Whether you purchased the long-term disability plan individually or it was a provided by your employer, it’s important to know your […]

If you or a loved one has recently become disabled as a result of an illness or accident and you’re unclear of the next steps, speak to a lawyer immediately. A lawyer can educate you on your rights and protect your ability to recover compensation. Insurance claims and dispute lawyer specialize in cases involving insured […]

Thousands of people present at emergency departments in Ontario yearly with complaints of back pain. While most people are discharged and sent home, many are admitted with severe disabling pain. Most people having an acute episode of back pain eventually heal but many are not so lucky and go on to suffer chronic and often […]

If income tax was not deducted when issuing the STD and LTD payments, then the benefits will be taxed. The CRA released a new guideline for business incorporation and employers in January 2015 that required all employers to ensure STD and LTD payments are taxed during issuing. Employees who receive benefits no longer have to […]

Introduction In this first part of our two part installment, we explore the various factors that need to be considered when making a long-term disability claim. First, we start by looking at some disability insurance concepts, particularly the interpretation of “total disability” followed by the distinction between coverage based on “own occupation” and “any occupation”. […]