Financial advisers, whether you call yourself an advisor, planner, investment or wealth manager, work in roles that are cognitively demanding, highly regulated, and client-facing. When illness or injury keeps you from performing at the level the job requires, long-term disability (LTD) benefits are supposed to be the safety net. Too … 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
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
In British Columbia, long-term disability claims are typically governed by the Insurance Act and the specific terms of insurance policies. Lawyers often have coverage through their employer’s group insurance plan which outlines the eligibility criteria, the definition of disability, and the process for making a claim. The definition of “disability” … Continue reading
If your long-term disability (LTD) claim has been denied or terminated, your first instinct may be to fire off an angry email, but you would do well to resist that urge. A strong appeal letter should be focused, evidence-driven, and clearly anchored to your policy’s definition of disability. Below … Continue reading
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