Long Term Disability Archives - Page 6 of 10

Did Sun Life Say that there is Not Enough Medical Evidence to Support Your Disability Insurance Claim?

Posted on December 18, 2018 (June 16, 2023) by Kotak Law

Has this happened to you? You are unable to work due to a disability such as stress, anxiety, headaches, depression or pain. You apply to Sun Life for disability insurance benefits. You send in your application and a physician statement from your family doctor. You get a call or letter from Sun Life denying your ...

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A Guide to Your Relationship with Your Disability Claim Lawyer

Posted on December 10, 2018 (June 16, 2023) by Kotak Law

Your disability lawyer will undoubtedly have experience in representing many people who have been denied disability benefits. A disability lawyer will understand that each case can be different. It may be your first time dealing with a lawyer. You may be wondering what to tell your disability claim lawyer and what documents to bring to ...

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Has Desjardins Denied Your Long Term Disability Claim After Two Years?

Posted on December 4, 2018 (June 16, 2023) by Kotak Law

Have you received a letter from Desjardins stating that you have been receiving disability benefits for two years but those benefits will now be terminated? You are not alone and we can help you. Most Desjardins disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. ...

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Was Your Long Term Disability Claim Denied Because You Applied Too Late?

Posted on November 30, 2018 (June 16, 2023) by Kotak Law

Most short term disability and long term disability insurance policies will contain clauses that set our when your claim for disability benefits must be submitted. Sometimes disability claims are denied by insurers on the basis that the application was filled too late. There are many reasons why people file their claim outside of the insurance ...

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Fibromyalgia and Long Term Disability Claims

Posted on November 22, 2018 (June 16, 2023) by Kotak Law

Fibromyalgia is normally diagnosed by a rheumatologist. Patients report widespread pain. Some common symptoms include tiredness, chronic pain, stomach and bowel issues and insomnia. Long term disability insurance companies often question the diagnosis of fibromyalgia and argue that the symptoms have no objective basis. Disability insurers may argue that you have insufficient medical evidence or ...

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PTSD and Disability Claims

Posted on November 19, 2018 (June 16, 2023) by Kotak Law

According to the Mayo Clinic PTSD (Post Traumatic Stress Disorder) is a mental condition that is triggered by witnessing or experiencing a terrifying event. Some symptoms are flashbacks, nightmares and intrusive memories. PTSD may influence other conditions such as depression. People suffering from PTSD may have feelings of hopelessness and have difficulties in relationships with ...

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Is Equitable Life Stopping Your Disability Insurance Benefits After Two Years?

Posted on November 15, 2018 (June 16, 2023) by Kotak Law

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

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Did Great West Life Deny Your Disability Insurance Claim Because You Did Not Complete Its Rehabilitation Program?

Posted on November 12, 2018 (June 16, 2023) by Kotak Law

Does this scenario look familiar? You are unable to work due to a disability such as stress, anxiety, depression, headaches or pain. You apply to Great West Life for disability insurance benefits. You send in your application and a physician statement from your family doctor. Great West Life then tells you to go to a ...

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Anxiety and Long Term Disability Claims

Posted on November 8, 2018 (June 16, 2023) by Kotak Law

Anxiety disorders can seriously impact your life and prevent you from continuing to work. Anxiety disorders are mental illnesses. According to the Canadian Mental Health Association the different types of anxiety disorders include: Phobias – intense fear around a specific thing or situation Panic Disorder – repeated feelings of intense fear that lasts for a ...

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Is Cigna Stopping Your Disability Insurance Benefits After Two Years?

Posted on November 5, 2018 (June 16, 2023) by Kotak Law

Have you received a letter from Cigna stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone. Most Cigna 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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