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Stat Holidays British Columbia 2025: Legal Entitlements and Protections

stat holidays British Columbia-Kotak Law
What are the statutory holidays in British Columbia for 2025? In British Columbia, statutory holidays are days recognized by law during which employees are entitled to a day off with pay. For the year 2025, these holidays provide an opportunity for workers to rest and celebrate various cultural and historical events. New Year’s Day is ...

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Canada Life Long Term Disability: An Online Guide

Canada Life Long Term Disability: An Online Guide
What types of disabilities are covered under Canada Life’s long term disability? Canada Life’s long-term disability (LTD) insurance is designed to provide financial support to individuals who are unable to work due to a variety of disabling conditions. These disabilities can be broadly categorized into physical and mental health conditions, each with its own set ...

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Is Bipolar Disorder a Disability? A Comprehensive Guide to Long-Term Disability Claims

Is Bipolar Disorder a Disability
What is bipolar disorder? Bipolar disorder is a mental health condition characterized by significant mood swings that include emotional highs, known as mania or hypomania, and lows, known as depression. These mood episodes can affect a person’s energy levels, activity, judgment, behavior, and ability to think clearly. During a manic phase, individuals may feel euphoric, ...

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How Surveillance Can Affect Your Long-Term Disability Claim

Long-Term Disability Claim
What are common surveillance tactics used by disability insurance companies? Disability insurance companies often employ private investigators to conduct surveillance on claimants. These investigators may follow individuals to observe their daily activities, looking for evidence that contradicts the claimant’s reported limitations. This can include monitoring physical activities such as walking, driving, or participating in recreational ...

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Stress-Busting Mindfulness Techniques for Disability Claimants

Stress-Busting Techniques for Disability Claimants
What are the most common stressors during the disability claim process? One of the most common stressors during the disability claim process is the uncertainty of the outcome. Applicants often face anxiety about whether their claim will be approved or denied, which can be exacerbated by the lengthy waiting periods involved. This uncertainty can lead ...

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Disability Benefits Alberta: Your Essential Guide to Support and Resources

disability benefits alberta
What resources are available for people with disabilities in Alberta? The Alberta government offers the Assured Income for the Severely Handicapped (AISH) program, which provides financial and health-related assistance to eligible adults with a permanent disability that severely impairs their ability to earn a living. This program includes a monthly living allowance, a child benefit, ...

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What to do when EI Sickness Benefits run out

EI Sickness Benefits
What are EI sickness benefits and how long do they last? Employment Insurance (EI) sickness benefits are a form of financial assistance provided by the Canadian government to individuals who are unable to work due to illness, injury, or quarantine. These benefits are designed to offer temporary income support while the individual recovers and is ...

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How to Apply for Long-Term Disability in Ontario: Overcoming Claim Denials with Kotak Law

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What is the process for applying for long-term disability in Ontario? Applying for long-term disability (LTD) in Ontario involves several key steps. First, you need to review your insurance policy to understand the specific requirements and definitions of disability. Each policy may have different criteria, so it’s crucial to be familiar with the terms and ...

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WHAT IS AN IME-INDEPENDENT MEDICAL EXAMINATION?

what is an Ime-independent medical examination
Independent Medical Examinations (IME) are a common practice in Ontario, and are often used by insurance companies to deny benefits, or employers to challenge accommodation requests. An IME is a medical assessment conducted by an independent physician, rather than the doctor that normally provides treatment. The objective is to have a neutral third party opinion ...

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