When applying for Long-Term Disability (LTD) benefits, it’s crucial to maximize your chances of approval. LTD benefits aim to provide financial support to individuals who are unable to work due to a debilitating condition. While the application process can be…
Many individuals receiving long-term disability (LTD) benefits will at some point be asked to do an independent medical examination (IME). Most LTD policies contain provisions that require you to cooperate with the insurance company in their assessment of your claim….
Your employer can fire you while you’re on long-term disability, but only under specific legal conditions, and with significant obligations on their part first. Firing an employee on LTD is a legally complicated and sensitive matter. Most employers don’t want…
Settling Your LTD Claim Once & For All If you have applied for long-term disability (LTD) benefits but have been denied, or your LTD benefits have been cut off, the battle doesn’t have to end there. There are several options…
The Canada Pension Plan (CPP) provides disability benefits to those who have made enough contributions to the CPP over time and who have a disability that is both severe and prolonged such that the applicant cannot work. This program is…
Many employers in Nova Scotia have long-term disability coverage, not through a typical insurance company, but through a “self-insured” plan governed by a health and welfare legal trust fund titled the NSAHO Long-Term Disability (LTD) Plan. The self-insured nature of…
Whenever starting an LTD claim or appeal, our clients always have dozens of questions on what they can expect. How long will it take, how much it will cost, and what do I need to do to prepare are some…
When people are denied long-term disability benefits, they quickly begin to fear for the worst. They imagine themselves dealing with mounds of paperwork and having to speak in front of a court full of people judging their every word. The…
Settling your LTD claim is a difficult decision for many. There are a few clear-cut reasons to accept an LTD settlement like if you have an immediate need for cash, you might be able to return to work sooner than…
