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
At the end of the day, your relationship with your insurance company is based on contractual obligations. If you become disabled pursuant to the definition of your insurance policy, your insurance company is required to pay out long-term disability benefits. However, this obligation cuts both ways and your insurance policy … Continue reading
6047376900
Book My ConsultationNo fees unless we collect.