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
A denied insurance claim can feel like the floor dropping out from under you, right when you need help the most. Whether it’s a denied long-term disability (LTD) or short-term disability (STD) claim, a critical illness or life insurance payout that’s been refused, or a mortgage disability/accidental death … Continue reading
The intent and purpose of long-term disability (benefits are to provide financial protection and income replacement to individuals who are unable to work for an extended period due to a disabling illness or injury. Unlike short-term disability or sick leave benefits, LTD benefits are designed to support individuals whose medical … Continue reading
As genetic testing becomes increasingly accessible and integrated into modern healthcare, it has also raised complex legal and ethical questions, particularly in the realm of insurance. In Canada, the Genetic Non-Discrimination Act (GNDA), enacted in 2017, plays an important role in protecting individuals from being compelled to disclose … Continue reading
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