Long-term disability (LTD) insurance plans typically include an exclusionary provision that prevents a potential claimant from obtaining coverage for an illness or injury for a pre-existing condition, or for a condition for which they were treated within the specified exclusionary period. Exclusionary provisions or conditions can differ between insurance plans, both in the case of ...

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Read More... from Claimant diagnosed with Brain Tumour can’t be denied LTD Benefits due to Pre-existing Condition

Individuals who have coverage for disability benefits under an employee benefits plan or another policy are entitled to receive income replacement benefits if they become injured or ill and are no longer able to perform their job.  Unfortunately, insurance companies sometimes deny coverage for legitimate claims. One of the most common reasons for denial of ...

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Read More... from Court rules that Insurer must pay LTD Benefits as well as Damages for Mental Distress arising from a Denial of Benefits

When someone has long-term disability (LTD) coverage under an employee group benefits plan, they are eligible for income replacement coverage if they are unable to work due to an injury or an illness.  Individuals who qualify for disability coverage may also continue to receive other benefits, such as dental, health and life insurance coverage.  Unfortunately, ...

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Read More... from Long-term Disability Dispute impacts Supplementary Benefits such as Health and Dental Coverage