Time Limits to Dispute the Denial of Disability Claims

If you are prevented from attending work due to injury or illness, you may have access to short-term and long-term disability benefits through your employer or your own private insurance policy. Disability benefits replace your income while you are unable to work. In most cases, this coverage is divided into short-term disability coverage (which may […]

What You Need to Know About Long-Term Disability Benefits

Many employers provide Long-Term Disability (LTD) insurance to their employees. This insurance means that an employee who is unable to work for an extended period of time due to injury or illness is eligible to receive income replacement benefits as set out in the policy. For the individual employee, it is comforting to know that […]

The Importance of Long Term Disability Insurance

Most people think that unless they are employed in a dangerous job or participate in a risky hobby, they have very little risk of becoming disabled. They view a long term disability policy as unnecessary and an expense that they can safely avoid. According to the Council for Disability Awareness almost 25% 20-year-olds have a […]

Fernandes v. Penncorp Life Insurance – long-term disability

In a recent decision, the Ontario Court of Appeal awarded a totally disabled man the sum of $236,773 in unpaid long-term disability benefits, $200,000 in punitive damages and $25,000 in damages for mental distress. This occurred when a disability insurance company refused to pay the man in the face of significant evidence of medical disability […]