Is Empire Life Stopping Your Disability Benefits After Two Years?

Posted on October 9, 2018 (July 5, 2024) by Kotak Law

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

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Canada Pension Plan (CPP) vs. Long-term Disability Benefits

Posted on October 3, 2018 (June 16, 2023) by Kotak Law

There are several types of financial aid that may be available to you, if you become disabled due to illness or injury and are unable to work. The two most common types of disability benefits available to Canadians are the Canada Pension Plan (CPP) and long-term disability (LTD) coverage. For both LTD and CPP applications ...

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4 Signs That Your Disability Insurance Company Is Going To Deny Or Terminate Your Disability Claim

Posted on September 26, 2018 (July 5, 2024) by Kotak Law

Unfortunately, many disability insurance companies will try to find a reason to deny or terminate your short or long term disability benefits. Here are some tell tale signs you should watch out for. 1. Surveillance – Disability insurance companies will hire private investigators to follow you with the hope that they catch you doing something ...

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Is Industrial Alliance Stopping Your Disability Benefits After Two Years?

Posted on September 18, 2018 (July 5, 2024) by Kotak Law

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

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Is London Life Stopping Your Long Term Disability Insurance Benefits After Two Years?

Posted on September 14, 2018 (July 3, 2025) by Kotak Law

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

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5 Things Your Disability Insurance Lawyer Wants You To Know

Posted on September 6, 2018 (June 16, 2023) by Kotak Law

Being denied short or long term disability benefits or having your insurance benefits terminated can plunge you into a financial crisis and increase your stress burden. Here are five important details that you should know to help get your through these difficult times. 1. DON’T PLAY THE INTERNAL APPEAL GAME WITH YOUR INSURANCE COMPANY Disability ...

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Is RBC Stopping Your Disability Benefits After Two Years?

Posted on August 29, 2018 (June 16, 2023) by Kotak Law

Have you received a letter from RBC stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone. Most RBC 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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Your Ontario Short And Long Term Disability Insurance Company Can Deduct Some Other Benefits You May Receive

Posted on August 15, 2018 (July 5, 2024) by Kotak Law

Short and long term disability insurance policies contain offset provisions. Typically your disability insurance company can deduct money you receive from the following sources: Canada Pension Disability payments WSIB payments severance payments retirement allowances from your employer In fact many disability insurance policies stipulate that if Canada Pension Plan disability benefits or WSIB benefits are ...

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Has London Life Denied Your Disability Insurance Claim?

Posted on August 14, 2018 (June 16, 2023) by Kotak Law

London Life Insurance Company (“London Life”) was founded in London, Ontario, in 1874. London Life is part of The Great-West Assurance Company. London Life states on its website that it has $100 Billion in retirement and investment holdings. London Life sells long term and short term disability insurance policies. Many of those disability insurance policies ...

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Qualifying for Disability Benefits for Chronic Fatigue Syndrome

Posted on August 13, 2018 (July 5, 2024) by Kotak Law

Persons suffering from chronic fatigue syndrome (CFS) have typically been struggling with their symptoms for a long time before being diagnosed. In fact, only about 30 per cent of CFS sufferers are properly diagnosed in the first year. To make matters worse, persons with chronic fatigue syndrome are sometimes stigmatized or told that they are ...

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