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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.
After you have successfully made a claim against an at-fault driver, the insurance company will compensate you. The insurance company has the right to pay your injury claim as a one-time payment (lump sum). This payment includes compensation for things that will happen in the future (i.e. future pain and suffering, future expenses, etc). The…
Many residents of New Brunswick enjoy having benefits provided through their jobs. However, some Canadians may not realize that they may also be covered for any disability that may arise in their lives, including a long-term disability. Often a condition severe enough to cause long-term disability will strike out of nowhere leaving patients at a…
You may think you qualify for long term disability benefits, but it is difficult to know if this is true until you actually take the time to learn more about your policy. It doesn’t matter if you have benefits through your employer or have purchased your own policy, there are terms and conditions that govern…
Most Long-Term Disability policies cover you no matter what injury or disability prevents you from working. Some policies, however, exclude certain specific illnesses; others may exclude illnesses that are compensable under a workplace compensation claim. Note that the disability must have happened since the time your LTD insurance was active, so any disability you had…
The New Brunswick Disability Support Program was created to provide disability support for persons with disabilities. The following are required for eligibility in the program: Resident of New Brunswick Between the age of 19 and 64. Suffering from a long-term disability. Require disability support to address an unmet need. No two people are the same,…
If you have contributed to the Canada Pension Plan (CPP) and are unable to work as the result of a disability, you may be able to receive benefits in the form of a taxable monthly payment. You should not wait to submit your disability application. It takes approximately four months to receive a decision, so…
When a family member accidentally becomes disabled, you will want to help but may be unsure how. You may be uncertain about your loved one’s needs and limitations, if and what treatment is possible, and what can be expected in the future. The following tips are recommended to help a family member who becomes disabled:…
Social media is increasingly being used in litigation. Facebook, Twitter, Instagram and other social media can be used against you in your personal injury legal case in Nova Scotia. Can Social Media Be Used as Evidence? With increasing frequency, Facebook evidence is being admitted to court. The information is easily accessible and often public, making…
The first step in applying for short-term or long-term disability benefits is for you to contact your employer or the insurance company and to request an application package. The application package will usually include three forms. There will be a form for you to fill out, usually called a Claimant’s or Member’s Statement Form; The…
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