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
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
When you’re unable to work because of an illness or injury, long-term disability (LTD) benefits are supposed to provide financial security. Unfortunately, many people in British Columbia find themselves in the same situation where their LTD claim is denied or their LTD benefits are cut off, even when their doctors … 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
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