Often, while adjudicating or managing a short term or long term disability claim, insurance companies send people to a so called Independent Medical Examination (IME). In many cases these examinations are not felt to be independent. The stated purpose of the assessment is to provide the disability insurer with an opinion about whether a claimant […]
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Disability insurers should show as much compassion for their customers as they do for their employees, says Toronto personal injury and disability lawyer Nainesh Kotak. Benefits Canada magazine recently reported that a major Canadian insurer saw a big drop in its mental health-related short-term disability claims after increasing the benefits available to its own employees […]
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Read More… from Customers deserve same compassion insurer shows employees
Many working Canadians are familiar with long-term disability insurance, the purpose of which is to provide income replacement when someone becomes ill or injured and is unable to work for a prolonged period. Long-term disability (LTD) payments are generally tax-free when the individual has paid 100% of their premiums, but taxable if the employer has […]
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Once you have been approved for long term disability benefits you may be wondering how long those disability benefits will continue to be paid by your disability insurer. Long term disability policies are marketed as “peace of mind” insurance. However, termination of benefits happens quite frequently. A long term disability policy is a contract. This […]
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Read More… from How long do Long-term Disability Insurance Benefits last?
Pedestrians and cyclists are eligible to claim the same accident benefits as anyone who was injured while travelling in a motor vehicle, as long as the accident involved a motor vehicle. And, if you become injured by a motor vehicle, while walking or cycling, you may claim ‘no fault’ accident benefits from your own vehicle […]
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Read More… from Third-party Insurer is ordered to provide Coverage in Toronto Pedestrian Accident
This a list of 5 reasons that a disability claim may be denied. Has your disability claim been denied? See if any of these reasons fit your situation. REASON #1 Your disability insurance company says that you have a pre existing condition. Often insurance companies will look at your medical records and suggest that because […]
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Read More… from 5 Reasons a Disability Claim May Be Denied and What Can Be Done
Have you experienced this? You or your employer pay premiums for a Cigna disability insurance policy with the hope that one day if you can’t work Cigna will honour it’s duty to pay you disability benefits. Unfortunately, you cannot work due to a physical or mental condition. You complete the application for disability benefits and […]
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Read More… from Do You Feel That Cigna Has Unfairly Denied Your Disability Claim?
A very fit and healthy 57-year-old Kitchener man was struck by a car while he was biking to work. The accident caused a broken pelvis and other injuries for the cyclist; and he required surgery and hospitalization and was confined to a bed for almost four months. After being released from hospital, the accident victim […]
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Read More… from Disability caused by a Fractured Femur, Tibia or Pelvis
Has this happened to you? You or your employer pay premiums for a Great West Life disability insurance policy with the belief that one day if you can’t work your disability insurer will honour it’s duty to pay you disability benefits. Unfortunately, you cannot continue working due to a physical or mental condition. You complete […]
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A mother, Ms. Rodrigues, was driving her car through an intersection when another driver entered against the red light and violently crashed into the family vehicle. The car accident resulted in serious injuries to the mother and minor physical injuries to two of her sons and tragically, her third and youngest child sustained a fatal […]
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Read More… from Family Members awarded Substantial Damages in Car Accident Lawsuit
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