Understanding Bad Faith in Long-Term Disability Claims
Long-term disability (LTD) insurance helps employees and employers worldwide go about their business with peace of mind knowing if something happens to them, and they’re rendered disabled, their insurance provider will financially support them. The option to file LTD claims can help workers through a time of financial burden and physical and mental hardship. Many […]
How Receiving LTD Benefits Affects Your Employment
Disability insurance, as outlined by the Canadian Life and Health Insurance Association (CLHIA), is a type of coverage that protects you against losing income if you become disabled andx are unable to work. Many people receive disability coverage through their employment and may be eligible to receive monthly benefits if they are too sick or […]
LTD and Workers’ Compensation: How They Work Together
Living with a disability is a challenge of its own many of us hope to never face. However, over 10% of the workforce in Nova Scotia has experienced a disability at some point. If it does happen, living on a reduced income does not make it any easier. Anyone using long-term disability (LTD) leave should […]
How Insurance Companies Use Surveillance During LTD Claims
Have you ever felt like you were being watched, or maybe even followed? It may seem like something that only happens in movies, but, you may have been right. This is especially true if you have recently filed for long-term disability (LTD) benefits. The use of surveillance during an LTD claim is more common than […]
How Long Does It Take to Settle an LTD Claim?
Many factors determine how long it will take to settle and receive LTD benefits If you have recently settled a long-term disability lawsuit, you will likely be wondering how long it takes to receive your LTD benefits. The answer is not always clear. A variety of factors determine the length of time it will take […]
Proving Bad Faith in LTD Claims
Long-term disability (LTD) insurance helps employees and employers worldwide go about their business with peace of mind knowing if something happens to them, and they’re rendered disabled, their insurance provider will financially support them. The option to file LTD claims can help workers through a time of financial burden and physical and mental hardship. Many […]
How Disability Benefits Are Taxed in Canada
Navigating disability benefit taxation is one of the most misunderstood areas we see at Valent Legal. Whether you’re receiving Short-Term Disability (STD), Long-Term Disability (LTD) benefits, or the Canada Pension Plan (CPP) Disability Benefit, the tax rules are nuanced; and getting them wrong can cost you. Our team breaks down exactly how each type of […]
Are Personal Injury Awards Taxable in Canada?
When you’re injured or a loved one is killed in an accident caused by someone else’s negligence or wrongdoing, you may be eligible to claim compensation for your losses, such as medical expenses, lost wages, pain and suffering, shortened life expectancy, and loss of financial support from the deceased. In 2023, over 200,000 personal injury […]
Should You File an Internal LTD Appeal Before Suing?
When applying for long-term disability (LTD) benefits, there is always a chance your claim could be denied. Insurance providers are not looking to make a payout and almost always search for ways to avoid paying you the LTD benefits we know you deserve. If your LTD claim is denied, you have three options. You can […]