Depression is a type of mood disorder that does qualify for short term disability and long term disability benefits, since it can significantly affect ones ability to work. According to a survey conducted by Ipsos, 17% of Canadians reported that they had to take time off work to deal with a personal mental health issue. […]
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Surveillance is a common tactic deployed by insurance companies to discredit short-term disability and long-term disability claims, as it can be used as evidence to dispute the alleged limitations and restrictions of an individual claiming disability benefits. An insurer can conduct surveillance if they suspect a claimant has over exaggerated their disability claim. They will […]
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Read More… from Surveillance Tactics Used by Insurance Companies to Deny Disability Claims
The labour market disruption caused by COVID-19 will have considerable effects on short-term disability and long-term disability claims in Ontario. A sharp increase in disability claims post COVID-19 is expected, primarily due to the increased pressure on essential workers, employee burnout and changing nature of work. In Ontario, the unemployment rate has reached record levels […]
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Read More… from How will COVID-19 Affect Short-term Disability Claims In Ontario
A common question from many Long-Term and Short-Term Disability clients is whether they can travel while on disability. Disability benefits are provided to compensate you for the inability to work, which does not preclude you from enjoying your life within your limitations. This means that you can take a vacation, though certain steps and precautions […]
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The Cooperators Insurance Group owns the insurance operations of The CUMIS Group Ltd. (“CUMIS”) including CUMIS Life Insurance Company and CUMIS General Insurance Company. According to bloomberg.com, CUMIS markets markets a range of insurance and other non financial services to Canadian financial co-operatives, credit unions, Caisses Populaires and their members. CUMIS offers services such as […]
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In Ontario, over half of COVID-19 related deaths have been linked to long term care homes (nursing homes), which disproportionately impacts elderly Canadians, who are one of the most vulnerable groups in our society. Seniors who are receiving long term care usually have cognitive and physical impairments, as well as chronic health conditions that […]
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Read More… from LONG TERM CARE HOMES AND COVID-19 RELATED DEATHS IN ONTARIO
Long-term disability benefits may be taxable depending upon who paid the benefits. Many workers have group disability policies with companies like Manulife, Sun-Life, Great West Life or RBC, amongst others. If the employer pays part or all of the premiums for the long-term disability policy the benefits will be taxable. If the worker pays all […]
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Read More… from ARE LONG-TERM DISABILITY BENEFITS TAXABLE IN ONTARIO
The COVID-19 pandemic is an unprecedented situation that extends beyond physical impacts. This type of isolation, uncertainty and risk can lead to psychological trauma. The stress associated with self isolating and socially distancing can be overbearing, since humans are inherently social beings that thrive off interaction with one another. Those who are separated from their […]
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Read More… from COVID-19’s Effect on Mental Health and Long Term Disability
The economic impact of COVID-19 has been devastating for Canadians across the country, especially for those who are self employed or work in an industry not deemed an essential service. According to Statistics Canada, over 3.1 million Canadians were affected by jobs loss or reduced working hours since March 15th. The unemployment rate is estimated […]
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Read More… from How to Claim the COVID-19 Canada Emergency Response Benefit (CERB)
On January 1, 2020, The Great-West Life Assurance Company, London Life Insurance Company and The Canada Life Assurance Company merged to become – The Canada Life Assurance Company (“Canada Life”). Great West Life and London Life policies that were in effect remain unchanged in terms of commitments and promises. Canada Life was founded in 1847 […]
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Read More… from Canada Life Denied Disability Insurance Claim
Kotak Personal Injury Law is a Registered business name of Nainesh Kotak Professional Corporation.
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