The Most Common Reasons Long-Term Disability Claims Are Denied

Having a long-term disability claim denied when you are already unable to work is one of the most stressful experiences an injured or ill person can face. A denied long-term disability claim does not mean your case is over, and it does not mean the insurer is right. Understanding why long-term disability claims are denied […]

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How Surveillance and Private Investigators Affect Disability Claims

If you are receiving disability benefits, it can be unsettling to learn that insurers sometimes hire private investigators to watch claimants. Long-term disability surveillance is a real and legal tool that insurance companies use to test whether your reported limitations match your daily activities. While you may not be able to stop disability surveillance altogether, […]

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Does Depression Qualify for LTD Benefits?

Depression is recognized as a legitimate disability in Canada’s workplace benefits system, affecting approximately 1 in 4 Canadians at some point in their lives. When severe enough to prevent someone from performing their job duties, depression can qualify for long-term disability (LTD) benefits, providing financial support during extended periods of inability to work. Despite mental […]

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What’s the Difference Between Short and Long-Term Disability Insurance?

If you are injured and unable to work, disability insurance can help replace some of your income to cover your expenses. In some cases, you might only be out of work for a few weeks or months. In other situations, your condition could last for years or even be permanent. Short-term and long-term disability insurance […]

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Can Bipolar Disorder Affect Your Ability To Work?

Many mental health conditions can affect a person’s ability to work, including bipolar disorder. It depends on the severity of the disorder and the type of bipolar disorder. When bipolar disorder negatively impacts a person’s ability to work, the person may qualify for long-term disability benefits. This article discusses how bipolar disorder can affect a […]

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What Are the Odds of Winning a Long-Term Disability Suit?

Has your long-term disability (LTD) claim been denied by the insurance company? In many cases, these claims are denied without a thorough evaluation or based on a very narrow definition of disability.  When a claim is denied, you have two options: appeal the denial internally through the insurance company or file a lawsuit. A lawsuit […]

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10 Jobs That Can Be Detrimental To Your Health

While most workers can expect their workplaces and job duties to be reasonably safe, some careers are more hazardous than others. Roles within high-risk industries come with especially significant hazards.  These are 10 occupations that carry noteworthy health and safety risks. 1. Forestry and Logging Loggers face dangers every day. Their work involves felling trees, […]

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What’s The Difference Between Tetraplegia And Quadriplegia?

Some of the most catastrophic injuries you can suffer are spinal cord and brain injuries. These can result in a variety of health consequences, including paralysis. The loss of motion you can experience, along with its severity, depends on where along the spine the wound occurred.  One type of paralysis you can suffer is quadriplegia, […]

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How Courts Interpret ‘Any Occupation’ in Long-Term Disability Cases

Many disabilities can prevent a person from working. If you cannot work because of a disability, you may be entitled to long-term disability benefits under a disability insurance policy. Generally, the timeframe for long-term disability focuses on two periods: the first 24 months and 24 months until 65 years old. During the first 24 months, […]

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I Can’t Hold a Job Due To Mental Illness. What Do I Do?

A common question our Hamilton long-term disability lawyers receive is, “What can I do if I can’t do my job anymore due to disability?” Many people would assume the question refers to a physical disability. However, some individuals with mental illnesses have trouble keeping jobs, too.  Missing work due to depression, anxiety, or other mental […]

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