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If you drive a car, you must have insurance. Since car insurance is legally required, all car insurance policies in that province are fairly similar and must offer at minimum a certain amount of coverage.
Disability insurance policies are different. Because you aren’t obligated to have an LTD policy, there is no legally defined minimum or “standard” coverage. That means all LTD policies are different and can vary greatly from one to the other.
Are You Eligible? What if My Disability Didn’t Happen at Work? Even if you receive your LTD coverage through your employer, you don’t need to have been injured at work to qualify for long- term disability benefits. LTD insurance isn’t there to compensate you for workplace accidents – it’s to replace your income if you become unable to work….
The Disability Support Program in New Brunswick provides flexible support for disabled people. Personal disability support plans are developed that allow disabled individuals to have their unmet needs addressed to help each person participate in the community. Some of the disability support that this program may provide includes: — Personal living skills training — Support…
If you were wrongfully denied Long Term Disability benefits, or they were wrongfully terminated, you may consider suing the insurance company to obtain your benefits. We are answering the most commonly asked questions regarding suing the insurance company. Who do I sue? In most Long Term Disability cases, you sue the insurance company that is…
Paraplegia and Tetraplegia (also called Quadriplegia) are two severe forms of paralysis that can result from a Spinal Cord Injury. Paraplegia consists of paralysis from the waist down (loss of sensation and movement in the legs), which is usually caused by an injury to the lower back. Tetraplegia is paralysis from the neck down (including arms, legs and the torso), which results from an injury to the neck.
First and foremost, it’s important to read the insurance company’s letter very carefully. They may have terminated your benefits for any number of reasons. If your benefits were terminated because a form is missing or some information was not provided, contact the insurance company immediately and try to get the paperwork to them as soon…
First things first – Submitting your long term disability claim can be a little overwhelming and stressful. Here are 5 tips that can help you: 1. Ask your employer for the Long Term Disability Application package The package includes forms that you must fill out as to why you can’t work. It will include forms…
If you were wrongfully denied Long-Term Disability benefits (or they were wrongfully terminated), you may consider suing the insurance company to obtain your benefits. Who do I sue? In most LTD cases, you sue the insurance company that is refusing to pay your benefi ts. Sometimes it may be necessary to sue your employer or a…
If the insurance company has denied your long-term disability claim (or cut off your benefits) they will usually offer the possibility of an internal appeal. That basically means that they will look at your application again, run it through their system, and get back to you within their time limit (usually between 30 and 90…
A Disability Insurance policy is a contractual relationship between you and your insurance company. Like all contracts, it is governed by certain laws and regulations. Bad Faith It’s probably safe to assume that your insurance company has a lot more money (and more lawyers) at its disposal than you do. This means the “relationship” mentioned…
Long-term disability insurance is optional coverage, and many people who have it receive it as part of employment benefits. While this is often a convenient and affordable way to get LTD insurance, it can limit your options if your claim is denied or your benefits are terminated. People who are not part of a union…
Many people who have had their long-term disability benefits denied or terminated decide to seek advice from a disability lawyer. LTD cases can be particularly complex because their coverage varies from one policy to another and it isn’t always obvious why your benefits were denied or cut. With car accidents there are fairly clear-cut laws…
Long-term disability policies vary greatly from one to another and your policy may have certain benefit deductions, including the deduction of your Canada Pension Plan (CPP) benefits. LTD policies may allow the insurance company to deduct your CPP benefits in several different ways, including: Deducting a portion of CPP benefits or the entire amount Deducting…
Living with a long-term disability is already difficult enough, and having your benefits claim denied or terminated only makes the situation worse. Benefits can be denied – even when your claim is valid – for any number of reasons, including small technicalities or unclear evidence. Long-Term Disability insurance claims can be very complex and each…
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