Long Term Disability Archives - Page 7 of 10

Back Pain and Long Term Disability Claims

Posted on November 1, 2018 (June 16, 2023) by Kotak Law

Numerous studies have shown that back pain is one of the most common reasons for missed work and disability claims. Conditions that can lead to chronic back pain include: spinal nerve root impingement, herniated discs, osteoarthritis, degenerative disc disease, spondylolisthesis, SI joint dysfunction, rheumatoid arthritis, scoliosis, tumours and accident related trauma. To be successful in ...

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Is Blue Cross Stopping Your Long Term Disability Benefits After Two Years?

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

Have you received a letter from Blue Cross 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. Most Blue Cross disability insurance policies in Ontario have a change of definition clause in terms of how total disability is ...

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How Much Does It Cost to Hire a Disability Lawyer?

Posted on October 24, 2018 (June 16, 2023) by Kotak Law

Short term and long term disability insurance only pays a fixed percentage of a policy holder’s monthly income. Unfortunately, disability insurance companies often unexpectedly deny or terminate disability insurance benefits. We understand that if you can’t work due to a disability and your insurance claim has been denied you are worried about your financial well ...

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Did Manulife Deny Your Disability Insurance Claim Due to Insufficient Medical Evidence?

Posted on October 12, 2018 (April 15, 2024) by Kotak Law

Does this scenario look familiar? You are unable to work due to a disability such as stress, anxiety, headaches or pain. You apply to Manulife for disability insurance benefits. You send in your application and a physician statement from your family doctor. You get a call or letter from Manulife denying your disability claim on ...

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Is Empire Life Stopping Your Disability Benefits After Two Years?

Posted on October 9, 2018 (June 16, 2023) 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 (June 16, 2023) 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 (June 16, 2023) 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 (June 16, 2023) 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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