General Information


COVID-19 RETURN TO WORK ANXIETY DISABILITY CLAIM

If there is one common thread linking all people in Canada together, it’s that COVID-19 has affected all facets of everyone’s lives. From their everyday routines and families, to finances and employment. But the recent reopening of the economy has allowed some people to return to their jobs. However, for people experiencing increased anxiety and […]

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STRESS LEAVE IN ONTARIO

According to the Canadian Mental Health Association (CMHA), stress can be defined as the body’s reaction to a real or perceived threat, which is known as the instinctual fight or flight response. The everyday threats faced today often do not require a fight or flight response, rather they are problems people have to work through. […]

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IS DEPRESSION A DISABILITY IN ONTARIO?

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 Tactics Used by Insurance Companies to Deny Disability Claims

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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How will COVID-19 Affect Short-term Disability Claims In Ontario

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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CAN YOU TRAVEL WHILE ON DISABILITY CANADA

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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CUMIS DENIED INSURANCE CLAIM

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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LONG TERM CARE HOMES AND COVID-19 RELATED DEATHS IN ONTARIO

  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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ARE LONG-TERM DISABILITY BENEFITS TAXABLE 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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COVID-19’s Effect on Mental Health and Long Term Disability

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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