“Objective Evidence” and Long-Term Disability Denials in Vancouver

If your long-term disability claim in Vancouver has been denied for “lack of objective evidence,” you are not alone. That phrase appears in denial letters from all the big insurance companies constantly. It sounds authoritative, but in many cases it is being used too broadly, too rigidly, or without proper … Continue reading

Denied Long-Term Disability Claims for Financial Advisers: Why It Happens and How We Help

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

Denied Long-Term Disability Claims for Anxiety Disorder: Why It Happens and What to Do Next

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

Long-Term Disability Denial Claims for Lawyers

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