Was Your Long Term Disability Claim Denied Because You Applied Too Late?

Posted on November 30, 2018 (July 5, 2024)

Most short term disability and long term disability insurance policies will contain clauses that set our when your claim for disability benefits must be submitted. Sometimes disability claims are denied by insurers on the basis that the application was filled too late. There are many reasons why people file their claim outside of the insurance […]

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Fibromyalgia and Long Term Disability Claims

Posted on November 22, 2018 (June 16, 2023)

Fibromyalgia is normally diagnosed by a rheumatologist. Patients report widespread pain. Some common symptoms include tiredness, chronic pain, stomach and bowel issues and insomnia. Long term disability insurance companies often question the diagnosis of fibromyalgia and argue that the symptoms have no objective basis. Disability insurers may argue that you have insufficient medical evidence or […]

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PTSD and Disability Claims

Posted on November 19, 2018 (June 16, 2023)

According to the Mayo Clinic PTSD (Post Traumatic Stress Disorder) is a mental condition that is triggered by witnessing or experiencing a terrifying event. Some symptoms are flashbacks, nightmares and intrusive memories. PTSD may influence other conditions such as depression. People suffering from PTSD may have feelings of hopelessness and have difficulties in relationships with […]

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Is Equitable Life Stopping Your Disability Insurance Benefits After Two Years?

Posted on November 15, 2018 (July 5, 2024)

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

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Did Great West Life Deny Your Disability Insurance Claim Because You Did Not Complete Its Rehabilitation Program?

Posted on November 12, 2018 (July 5, 2024)

Does this scenario look familiar? You are unable to work due to a disability such as stress, anxiety, depression, headaches or pain. You apply to Great West Life for disability insurance benefits. You send in your application and a physician statement from your family doctor. Great West Life then tells you to go to a […]

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Anxiety and Long Term Disability Claims

Posted on November 8, 2018 (June 16, 2023)

Anxiety disorders can seriously impact your life and prevent you from continuing to work. Anxiety disorders are mental illnesses. According to the Canadian Mental Health Association the different types of anxiety disorders include: Phobias – intense fear around a specific thing or situation Panic Disorder – repeated feelings of intense fear that lasts for a […]

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Is Cigna Stopping Your Disability Insurance Benefits After Two Years?

Posted on November 5, 2018 (July 5, 2024)

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

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Back Pain and Long Term Disability Claims

Posted on November 1, 2018 (June 16, 2023)

Numerous studies have shown that back pain is one of the most common reasons for missed work and disability claims. Conditions that can lead to chronic back pain include: spinal nerve root impingement, herniated discs, osteoarthritis, degenerative disc disease, spondylolisthesis, SI joint dysfunction, rheumatoid arthritis, scoliosis, tumours and accident related trauma. To be successful in […]

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Is Blue Cross Stopping Your Long Term Disability Benefits After Two Years?

Posted on October 29, 2018 (July 5, 2024)

Have you received a letter from Blue Cross 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. Most Blue Cross disability insurance policies in Ontario have a change of definition clause in terms of how total disability is […]

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How Much Does It Cost to Hire a Disability Lawyer?

Posted on October 24, 2018 (June 16, 2023)

Short term and long term disability insurance only pays a fixed percentage of a policy holder’s monthly income. Unfortunately, disability insurance companies often unexpectedly deny or terminate disability insurance benefits. We understand that if you can’t work due to a disability and your insurance claim has been denied you are worried about your financial well […]

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Author: Kotak Law

Posts by Kotak Law