Blogs


Has Blue Cross Denied Your Disability Claim?

The Canadian Association of Blue Cross Plans (“Blue Cross”) is an association of regional not-for-profit health and travel insurance providers in Canada.  Its headquarters is located in Etobicoke, Ontario. Blue Cross sells long term and short term disability insurance policies. Many of those disability insurance policies are offered through employers. Many of our clients at […]

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Is Your Disability Insurer Harassing You?

Does this scenario seem familiar?  You pay premiums for a 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 benefits properly […]

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Has Desjardins Denied Your Disability Insurance Claim?

Desjardins Financial Security Life Assurance Company (“Desjardins Financial Security”) is part of the Desjardins Group of Companies.  It’s head office is located in Levis in the Province of Quebec. According to the Desjardins website in 2016 Desjardins Financial Security had $96.5 billion in assists under its administration and management. Further, Desjardins Financial Security boasted an […]

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Has Your Insurance Company Denied Your Disability Claim Because it Doesn’t Believe You?

Disability insurance companies often look through your social media, medical records and the statements you have made with a fine toothed comb.  Do you know why they do this?  They are trying to find inconsistencies in how your describe your symptoms and ability to function.  When they find such an inconsistency, your disability insurance company […]

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Has Industrial Alliance Denied Your Disability Insurance Claim?

Industrial Alliance Insurance and Financial Services Inc. (“Industrial Alliance”) was founded in 1892.  In its annual report of 2017 Industrial Alliance states that it is one of the largest insurance and wealth management companies in Canada, with operations in the United States.  Industrial Alliance also states in the report that as of December 31, 2017, […]

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Stress at Work and Disability Claims

There are a number of causes of workplace stress. You may have or experience one or more of the following situations: a toxic work environment an unreasonable or abusive boss much too much work than you can handle unsupportive supervisors or coworkers unreasonable demands bullying, gossiping or humiliation You can apply for short and long […]

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The Truth About Disability Insurers’ Internal Appeal Process

Most disability insurance companies, including Sun Life, Manulife and Great-West Life, have an internal appeal process that they offer in their disability claim denial or termination letter.  They use such phrases as “there is insufficient medical evidence to establish that you meet the definition of disability as set out in your insurance policy.”  They then […]

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Has Sun Life Denied Your Disability Insurance Claim?

Sun Life Assurance Company of Canada is part of the Sun Life Financial group of companies (Sun Life).  Sun Life is a Canadian based financial services company and is one of the largest insurance companies in the world.  Sun Life dates back to 1865. The Sun Life Centre in Toronto, Ontario, was built in 1984 […]

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Has Great-West Life Denied Your Disability Insurance Claim?

109 Billion in retirement and investment holdings in Canada. Great-West Life also declared that for the year ending December 31, 2017, its net earnings were $2.155 Billion. {video} Great-West Life sells short term and long term disability insurance policies.  Some of the Great-West Life’s disability insurance policies are group policies through employers and others are […]

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