Navigating the complexities of long-term disability insurance can be daunting, especially when pre-existing conditions come into play. This blog aims to unravel the intricacies of how pre-existing conditions can influence the approval or denial of LTD claims.
A pre-existing condition (often called a “pre-ex” or … Continue reading
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 … Continue reading
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 … Continue reading
A significant amount of Canadian long-term disability claims are denied. When some people attempt to appeal the decision this almost never changes the opinion of the insurance company which has denied the claim. This leaves people with only one choice if they want to enforce their rights, start a … Continue reading
While this usually comes to the surprise of most people who are currently receiving long-term disability benefits, your insurance company is not your friend. They are providing you with long-term disability benefits because they are contractually obliged to, not out of some sense of altruism.
Not only are they only … Continue reading
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