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…
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…
Long-term disability (LTD) insurance policies typically include confusing terminologies and provisions that can make it challenging for an insured person to understand if they’re entitled to benefits when making a claim. What is outlined in your policy determines how your…
Long-term disability insurance, or LTD, replaces some of your income when you cannot work for an extended period because of a medical condition. In Nova Scotia, insurers decide what conditions are covered. Long-term disability benefits typically start after short-term benefits…
The Big LTD Myth LTD Insurers often deny claims on the basis that the Claimant (Plaintiff) has not proven any objective evidence of a disease or injury. This is not just a tactic to dissuade claimants from starting a lawsuit….
LTD litigation can be confusing and overwhelming at the best of times. Especially when trying to navigate taxation issues, the application of offsets, who is first payee, etc.. One of the most misunderstood issues is the all source maximum clause….
Can a LTD Insurer force a clamant to apply for CPP-D benefits? The answer to that question isn’t very straightforward. So today we are going to run through a few different scenarios to better illustrate the answer! Example A: My…
Whether you are receiving monthly payments from your Long Term Disability (LTD) Insurer, or engaged in a lawsuit trying to obtain benefits, the issue of “offsets” will inevitably become an issue. The Most Common Offsets Almost all LTD policies allow…
You’ve been wronged by another person. You’ve been harmed. You want justice. Traditionally civil justice has come in one form: a lawsuit claiming monetary damages. These civil claims certainly provide benefits; they can provide a victim of a wrong with…
As Nova Scotia disability insurance lawyers, this is a question we hear very frequently. The short answer of whether CPP benefits are deducted from LTD benefits is: “yes, probably”. The vast majority of the time, your LTD insurer will reduce…