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Articles Posted in Long Term Disability Claim (LTD)

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Denials, Disability and Delay. Where to start your Long Term Disability Case

On August 10, 2021 the Honourable Justice Grace ordered that “all civil jury trials scheduled to commence in London, Ontario during September, October, November and December 2021 and all civil jury trials scheduled to commence in London, Ontario during September and October 2021” are adjourned. There will be a special…

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Duty to Disclose when applying for Life, Long Term or Critical Illness Insurance

Our law firm receives a lot of calls from people who have been denied Life Insurance, Long Term Disability Insurance, Mortgage Insurance and Critical Illness claims. Some of these policies are group policies which are offered through an employer. Sometimes these are private policies which are purchased from an insurance…

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Why is my Long Term Disability Insurer insisting that I apply for CPP Disability Benefits?

Lots on people who are applying for Long Term Disability insurance benefits; or who are receiving Long Term Disability benefits want to know why their insurance company is asking (or demanding) that you apply for Canada Pension Plan Disability Benefits (CPP-D). What does one set of benefits have to do…

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What long term disability insurers count on in defending LTD claims

Twitter has it that close to 4,000+/- Ontario lawyers tuned in to an on line professional development program called the Mental Health for Legal Professionals Summit  That’s a lot of lawyers for one on-line conference; and there’s nothing wrong with that. In fact, there are a lot of positives to…

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Getting Long Term Disability Benefits Reinstated or Lumping Out?

Long Term Disability claims are not claims for pain and suffering or general damage claims. They are claims for a defined monthly disability amount based on percentage of your pre-disability earnings and last  for a pre determined period of time. Under most policies, that period of time is the age…

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What a Judge CAN and CANNOT Order in a Long Term Disability Case

Long Term Disability cases are based in contract. Damages are awarded to the disabled plaintiff based on what is available to the disabled plaintiff under the contract. Damages for the most part are limited to what’s covered under the four corners of the insurance policy. Only in rare cases will…

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Better Understanding How Long Term Disability Awards Work

Long Term Disability Claims are NOT claims for pain and suffering. Long Term Disability Claims are not based in negligence. Nobody from long term disability insurer ran you over with a truck or hit you with a baseball bat resulting in your disability. You had something completely unrelated to your…

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