Long Term Disability Archives - Page 9 of 10

Has Empire Life Denied Your Disability Insurance Claim?

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

The Empire Life Insurance Company (Empire Life) was first incorporated in 1923. Its head office is located in Kingston, Ontario. Empire Life is a subsidiary of E.L. Financial Corporation. In 2017 Empire Life boasted a net income of $170.936 million dollars. Empire Life claims to have $17.3 billion in assets under its management. Empire Life […]

[…]

Has Equitable Life Denied Your Disability Insurance Claim?

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

Equitable life of Canada (“Equitable Life”) states in its website that it is one of Canada’s largest mutual life insurance companies. It’s head office is located in Waterloo, Ontario. In 2017 Equitable Life boasted a net income of $106 million and assets under its administration in the amount of $4.1 billion. Equitable life sells long […]

[…]

Failure to Obtain Medical Treatment and Follow Your Doctor’s Advice Could Hurt Your Ontario Disability Claim

Posted on May 28, 2018 (June 16, 2023) by Kotak Law

Most short term and long term disability insurance policies state that in order for you to receive benefit payments you must not only report your symptoms to your physician but also comply with the treatment recommendations that your doctor gives you. Furthermore, if you have not told your doctor about the condition that is preventing […]

[…]

Has Blue Cross Denied Your Disability Claim?

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

The Canadian Association of Blue Cross Plans (“Blue Cross”) is an association of regional not-for-profit health and travel insurance providers in Canada. Its headquarters is located in Etobicoke, Ontario. Blue Cross sells long term and short term disability insurance policies. Many of those disability insurance policies are offered through employers. Many of our clients at […]

[…]

Is Your Disability Insurer Harassing You?

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

Does this scenario seem familiar? You pay premiums for a disability insurance policy with the expectation that one day if you can’t work your disability insurer will honour it’s obligation to pay you disability benefits. Unfortunately, you cannot continue working due to a physical or mental condition. You complete the application for disability benefits properly […]

[…]

Has Desjardins Denied Your Disability Insurance Claim?

Posted on May 11, 2018 (June 16, 2023) by Kotak Law

Desjardins Financial Security Life Assurance Company (“Desjardins Financial Security”) is part of the Desjardins Group of Companies. It’s head office is located in Levis in the Province of Quebec. According to the Desjardins website in 2016 Desjardins Financial Security had $96.5 billion in assists under its administration and management. Further, Desjardins Financial Security boasted an […]

[…]

Has Your Insurance Company Denied Your Disability Claim Because it Doesn’t Believe You?

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

Disability insurance companies often look through your social media, medical records and the statements you have made with a fine toothed comb. Do you know why they do this? They are trying to find inconsistencies in how your describe your symptoms and ability to function. When they find such an inconsistency, your disability insurance company […]

[…]

Has Industrial Alliance Denied Your Disability Insurance Claim?

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

Industrial Alliance Insurance and Financial Services Inc. (“Industrial Alliance”) was founded in 1892. In its annual report of 2017 Industrial Alliance states that it is one of the largest insurance and wealth management companies in Canada, with operations in the United States. Industrial Alliance also states in the report that as of December 31, 2017, […]

[…]

Stress at Work and Disability Claims

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

There are a number of causes of workplace stress. You may have or experience one or more of the following situations: a toxic work environment an unreasonable or abusive boss much too much work than you can handle unsupportive supervisors or coworkers unreasonable demands bullying, gossiping or humiliation You can apply for short and long […]

[…]

The Truth About Disability Insurers’ Internal Appeal Process

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

Most disability insurance companies, including Sun Life, Manulife and Great-West Life, have an internal appeal process that they offer in their disability claim denial or termination letter. They use such phrases as “there is insufficient medical evidence to establish that you meet the definition of disability as set out in your insurance policy.” They then […]

[…]