“Objective Evidence” and Long-Term Disability Denials in Vancouver

If your long-term disability claim in Vancouver has been denied for “lack of objective evidence,” you are not alone. That phrase appears in denial letters from all the big insurance companies constantly. It sounds authoritative, but in many cases it is being used too broadly, too rigidly, or without proper … 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 Continue reading

Understanding Long-Term Disability Insurance Premium Waivers

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

Long-term disability (LTD) 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 Continue reading

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

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

Denied Long-Term Disability Claims for Anxiety Disorder: Why It Happens and What to Do Next

Anxiety disorder can be disabling, yet long-term disability (LTD) insurers often deny or cut off claims.

Anxiety disorder is one of the most common conditions behind disability leave, but it’s also one of the most frequently challenged by insurers. People often assume an LTD claim is about “proving you have … Continue reading