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
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
British Columbia has moved to eliminate the routine doctor’s note for short-term sick leave. Under Bill 11, recent amendments to the Employment Standards Act [RSBC 1996] CHAPTER 113 clarify that employers cannot require a physician’s sick note for brief illnesses.
For lawyers handling short-term disability (STD) and long-term disability (LTD) … Continue reading
Relief from forfeiture is an equitable legal remedy that can help insureds when they lose their insurance benefits and/or coverage due to imperfect adherence to the terms of their policy.
While the concept of “relief from forfeiture” is a common phrase in the area of … Continue reading
In British Columbia, long-term disability claims are typically governed by the Insurance Act and the specific terms of insurance policies. Teachers 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
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