Here’s the scenario: You’ve been working diligently for the same employer, at the same job for years. You’ve given it your all. Countless hours of pain staking work. The job pays well. You have some great colleagues at work. And you have a benefits plan that you believe is fantastic.…
Litigating Long Term Disability Claims (LTD Claims) can be tricky, especially when the injury is an invisible one; such as chronic pain or a psychological injury. Firstly, it’s important to note that Long Term Disability Claims aren’t your typical tort or pain and suffering claims. These are special sort of…
Not too long ago, the Toronto Injury Lawyer Blog focused on limitation periods in the context of Long Term Disability Claims, and how insurers will delay, delay, delay such that enough time has passed that they could ask the Court to dismiss your claim. Delay is the enemy of a…
Our law firm handles a wide variety of Long Term Disability (LTD) Claims against pretty much every deep pocketed insurer you can think of: Manulife, SunLife, Great West Life, Desjardins, SSQ, RBC Insurance, Empire Life, Canada Life, Industrial Alliance, Equitable Life, Co-Operators, Standard Life (Now Manulife). If you can name…
Many people have benefits through work. Most understand those benefits to cover medical expenses such as massage, physiotherapy, medication, and dental expenses. Few think of those benefits as covering a portion of your income while you’re disabled and unable to work. This concept is called “disability benefits” or “disability insurance“.…
Generally speaking, adults have 2 years from the date of a car accident, or slip and fall to sue. If you wait until after two years from the date of the accident, you’re likely out of time to sue. This is called a “limitation period“. These limitations, are set out…
There are two schools of thought when it comes to fibromyalgia. Some doctors believe it exists, and it’s a very real illness/disabling condition. Other doctors don’t believe it exists, and that it’s all in your head. Insurance companies and their lawyers, tend to side with the latter. Personal injury lawyers…
Sometimes, the Toronto Injury Lawyer Blog examines recent cases that we think our readership will enjoy. We do our best not to make the legal analysis too technical, because that just turns in to a snooze fest. We want to keep things light, upbeat and easy/enjoyable to read. The law…
One of the most commonly asked questions of clients at my law firm is “how much is my case worth?” This is never an easy question to answer. When assessing the value of a claim, particularly an LTD claim, there are a variety of factors which need to be examined…
A Long Term Disability policy of insurance (LTD Policy), is a policy designed to cover the insured for a monthly benefit in the event that person becomes disabled. These policies are often offered by employers, to employees as a part of their benefits package. It’s a common perk of employment.…