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 … Continue reading
Long-term disability (LTD) 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 insurance policies out there with different terms and arrangements.
One of the main differences you see are … Continue reading
Physicians, be they family doctors, specialists, residents, fellows, and locums, work in roles that combine medical judgment, speed, documentation, and ethical obligations that leave little margin for error. When illness or injury strikes, long-term disability (LTD) coverage is supposed to protect your income. Yet many doctors see their claims denied … Continue reading
Insurers don’t approve benefits for medical conditions; they approve benefits for functional limitations. Chronic pain labels vary (chronic pain syndrome, fibromyalgia, complex regional pain syndrome/CRPS, neuropathic pain, post-surgical pain), but what matters is how your symptoms limit the … Continue reading
British Columbia has moved to eliminate the routine doctor’s note for short-term sick leave. Under Bill 11, recent amendments to the Employment Standards Act [RSBC 1996] CHAPTER 113 clarify that employers cannot require a physician’s sick note for brief illnesses.
For lawyers handling short-term disability (STD) and long-term disability (LTD) … Continue reading
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