Do You Feel That Manulife Has Unfairly Denied Your Short Term Disability Claim?

Posted on February 19, 2019 (July 5, 2024)

Does this scenario seem familiar? You or your employer pay premiums for a Manulife disability insurance policy with the expectation that one day if you can’t work your disability insurer will honour its obligation to pay you disability benefits. Unfortunately, you cannot continue working due to a physical or mental condition. You complete the application […]

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Car Accident Injury Lawsuit and Disability Claim Dispute are tried together

Posted on February 12, 2019 (May 22, 2024)

It’s not uncommon for persons injured in a car accident to file multiple claims for compensation, depending on the circumstances of the accident and their injuries. Anyone injured in a car accident, including vehicle passengers and pedestrians, may claim statutory accident benefits under the no fault accident insurance policy of their driver, another driver involved […]

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Was Your Short Term Disability Claim Denied After an Insurance Company Did a Paper Review?

Posted on February 5, 2019 (July 5, 2024)

Does this sound familiar? You stop working due to a physical disability or due to stress, depression or anxiety. You complete your application for short term disability benefits and send it to your disability insurance company. You have your doctor fill out a physician statement and send it with test results such as an X-ray, […]

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Talking to Your Doctor When You Have a Disability Claim

Posted on January 28, 2019 (July 5, 2024)

How you speak with your doctor is of utmost importance when you are applying for short term disability and long term disability benefits. While it is important for your doctor to diagnose what you are suffering from, disability insurance companies will look through your medical records to see how your impairments actually affect your ability […]

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Do You Feel that You are Being Treated Unfairly by Sun Life?

Posted on January 25, 2019 (July 5, 2024)

Does this scenario seem familiar? You pay premiums for a Sun Life disability insurance policy with the expectation that one day if you can’t work your disability insurer will honour it’s obligation to pay you disability benefits. Unfortunately, you cannot continue working due to a physical or mental condition. You complete the application for disability […]

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Has Manulife Stopped Paying You Long Term Disability Benefits Because You Didn’t Complete Its Rehab or Return to Work Plan?

Posted on January 8, 2019 (July 5, 2024)

Has this just happened to you? You are unable to work due to a disability such as stress, anxiety, depression, phobia, headaches or pain. You apply to Manulife for disability insurance benefits. You send in your application and a physician statement from your doctor. Manulife then tells you to go to a rehab program where […]

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Asthma and other Respiratory Conditions can cause Long-term Disability

Posted on January 2, 2019 (May 22, 2024)

Chronic respiratory disorders are diseases of the airways and lungs that continue over a prolonged period or throughout the lifetime of the affected person. Chronic respiratory disorders can significantly interfere with breathing and proper lung function and may impact people of all ages. Further, because these diseases are long-term and often have significant health effects, […]

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Did Sun Life Say that there is Not Enough Medical Evidence to Support Your Disability Insurance Claim?

Posted on December 18, 2018 (July 5, 2024)

Has this happened to you? You are unable to work due to a disability such as stress, anxiety, headaches, depression or pain. You apply to Sun Life for disability insurance benefits. You send in your application and a physician statement from your family doctor. You get a call or letter from Sun Life denying your […]

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A Guide to Your Relationship with Your Disability Claim Lawyer

Posted on December 10, 2018 (May 22, 2024)

Your disability lawyer will undoubtedly have experience in representing many people who have been denied disability benefits. A disability lawyer will understand that each case can be different. It may be your first time dealing with a lawyer. You may be wondering what to tell your disability claim lawyer and what documents to bring to […]

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Has Desjardins Denied Your Long Term Disability Claim After Two Years?

Posted on December 4, 2018 (July 5, 2024)

Have you received a letter from Desjardins stating that you have been receiving disability benefits for two years but those benefits will now be terminated? You are not alone and we can help you. Most Desjardins disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. […]

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Author: Kotak Law

Posts by Kotak Law