Long Term Disability Archives - Page 8 of 10

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 (June 16, 2023) 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 (June 16, 2023) 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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Has Your Disability Insurance Claim Been Denied Due to a Pre-Existing Condition?

Posted on July 27, 2018 (June 16, 2023) by Kotak Law

Many short term disability and long term disability policies contain a provision to exclude coverage for pre-existing conditions if the disability occurs within one year after disability coverage begins. Typical wording in disability insurance policies is that a pre-existing condition is not covered if the employee was treated by or consulted a health practitioner for […]

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Has RBC Denied Your Disability Insurance Claim?

Posted on July 17, 2018 (June 16, 2023) by Kotak Law

RBC Insurance is the largest Canadian bank owned insurance organization. RBC sell short term and long term disability insurance policies. Many of our clients at Kotak Law have been surprised and upset when RBC has denied or terminated their disability insurance claim. Sometimes they are told that there is insufficient medical evidence or that the […]

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Is Sun Life Ending Your Disability Insurance Benefits After Two Years?

Posted on July 9, 2018 (June 16, 2023) by Kotak Law

Have you received a letter from Sun Life stating that you have been receiving disability benefits for two years but those benefits will now be terminated? You are not alone. Most Sun 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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Is Great- West Life Stopping Your Disability Insurance Benefits After Two Years?

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

Have you received a letter from Great-West Life stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone. Most Great-West 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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Has Cigna Denied Your Disability Insurance Claim?

Posted on June 25, 2018 (June 16, 2023) by Kotak Law

Cigna is an American worldwide health services organization based in Bloomfiled, Connecticut and Philadelphia, Pennsylvania. Its insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance. One if its subsidiaries is Cigna Life Insurance Company of Canada whose head office is in Toronto, Ontario. According to wikipedia in 2017 Cigna had a […]

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Is Manulife Stopping Your Disability Benefits After Two Years?

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

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