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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Category: Long Term Disability
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 […]
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 […]
Canada Life Denied Disability Insurance Claim
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 […]
Short Term Disability Claims And Coronavirus
According to the World Health Organization coronaviruses are a family of viruses that cause illness ranging from the common cold or more serious diseases such as SARS. Coronavirus disease (COVID-19) is a new strain that was discovered in 2019 and has not previously been identified in humans. The WHO states that common signs of infection […]
Plaintiff wins Accident Claim Dispute against Insurer
An injured man was denied income replacement benefits (IRBs) under his ‘no fault’ accident insurance following a serious snowmobile accident. The accident victim’s benefits were terminated in response to inaccurate medical information that was submitted with a second Disability Certificate. Then, his vehicle insurer, State Farm Insurance Company, refused all subsequent attempts to accept any […]
CLAIMING DISABILITY BENEFITS FOR A SPINAL DISORDER
Spinal disorders can make it difficult, and often impossible, to work and perform everyday functions because back and spine strength are fundamental to most of our basic activities, including sitting, standing, walking and lifting. This is why many Canadians suffering from a spinal disorder become permanently disabled. Spinal disorders may affect the neck or anywhere […]
Judge in Injury Lawsuit rules that Plaintiff’s Disability Benefits are not relevant to their Motivation to Work
If you were injured and are unable to work as a result of a motor vehicle accident, you may be eligible to claim several types of compensation, including long-term disability (LTD) benefits under your disability plan, statutory accident benefits (SABs) from your automobile insurer, and personal injury damages from the at fault driver. To qualify […]
How to prove that you are disabled when applying for long term disability benefits
An illness or accident can prevent you from working. If you are fortunate enough to have a long term disability policy through work or privately it is important to know what you must do in order to increase your chances of your disability claim being approved. Here are some helpful hints. Have medical evidence that […]
MULTIPLE SCLEROSIS CAUSES DISABILITY FOR MANY CANADIANS
Multiple sclerosis (MS) is a chronic neurological disease affecting the central nervous system, including the brain and spinal cord. Canada has among the highest rates of multiple sclerosis, with roughly one in every 385 Canadians suffering from MS. Multiple sclerosis is typically diagnosed between the ages of 20 and 49, and the average onset of […]
