Long-Term Disability Claims for Long-Haul Truckers in British Columbia

Long-haul truckers play a crucial role in keeping our economy moving by transporting goods across British Columbia, Canada, and internationally. The supply chain for all goods requires truckers to make it work, much more so in countries like Canada with significant amounts of undeveloped wilderness.

However, despite the essential nature of their work, long-haul truckers are not immune to the risk of injury or illness that could render them unable to work. Many of these truckers have long-term disability policies intended to help them financially when disaster strikes. Unfortunately for many, their legitimate long-term disability claims are denied.

Common Truck Driver Injuries & Conditions

Long-haul and other truckers are often engaged in hard and strenuous work, despite the popular view that the most significant aspect of the job is sitting and driving for long periods of time (which can be taxing on its own). Whether related to preparing their truck … Continue reading

Bad Faith In Insurance Denials

An insurance company and their insured have a special relationship of utmost good faith. That’s why when a legitimate insurance claim is denied, people are often left frustrated and unable to understand why “their” insurance company would do this to them. Insurance denials can arise in all forms of insurance claims, including long-term disability insurance, life insurance, and critical illness insurance, amongst others.

When an insurance claim is denied in bad faith, it can have significant implications for both the insurance company and the insured. However, understanding what is or isn’t bad faith is not as straightforward as it may seem.

What is Bad Faith?

Insurance companies are required to act in good faith and deal fairly with their policyholders. Bad faith in insurance denial claims is when an insurance company unfairly denies a legitimate claim and does so by acting contrary to their duty to act in good … Continue reading

Dentist Long-Term Disability Denials

Long-term disability insurance policies for professionals, unlike other types of long-term disability coverage, are often individual plans, requiring a paramedical examination, with specific policy language. This is because dentists are potentially high earners in a profession that, generally speaking, requires them to stand, sit, or stoop, for long periods of time.

Like many professional long-term disability policies, dentist long-term disability policies usually contain more complex policy language than standard group policies, which can often offer insurance companies more opportunities to deny legitimate claims. An experienced insurance denial lawyer will be able to help navigate these policy issues while managing your claim.

Common Disabling Dentist Injuries & Conditions

Any number of injuries or conditions can impact a dentist’s ability to work to the point of disability. Some of the more common injuries are:

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Employer Paid vs. Employee Paid Premiums for Denied Long-Term Disability Benefits

Long-term disability benefits provide financial support to individuals who can no longer earn income from their job, or any job, due to a medical disability. There are different types of long-term disability policies out there with different terms and arrangements. One of the main differences you see are personal long-term disability policies and group long-term disability policies. Long-term disability policies through an individual’s work are almost always group policies. Under these policies, the source of funding for the insurance premiums can vary, with employers and employees adopting different payment structures.

What are Employer-Paid Premiums?

When the insurance premiums for long-term disability policies are paid by an Employer, it is considered an employee benefit, meaning that the employer assumes the financial responsibility for providing this coverage to all their employees who qualify. Employer-paid premiums are often part of a comprehensive benefits package offered to attract and retain employees which often … Continue reading

Understanding Long-Term Disability Insurance Premium Waivers

What Is a Premium Waiver in Long-Term Disability Insurance?

Long-term disability insurance policies exist as a safety net for individuals if, through accident or illness, they become unable to perform their duties of employment. As with other types of insurance, in order to keep your policy in good standing premiums need to be paid on it, whether monthly or yearly.

But what happens when an insured is rendered disabled from work and unable to afford to pay their ongoing insurance premiums? The answer is a waiver of those premiums.

The Purpose and Benefits of Premium Waivers

A premium waiver is a clause within a long-term disability insurance policy that allows the insured party to stop paying premiums while still maintaining coverage. A premium waiver is typically triggered when the individual covered under the policy is found to have met the definition of disabled. Once the individual meets that threshold premiums … Continue reading