Alicia had just turned 49 and was living alone for the first time. When her only child went away to university, Alicia moved to a small 2 bedroom house in a nice neighbourhood with high hopes for the next chapter in her life.
Joel is a 41-year-old former warehouse manager and part-time DJ. For years Joel burned the candle at both ends, working hard on weekdays and DJing regularly at weddings and parties on the weekends. After pulling a number of late nights, Joel was so tired that he slipped in the shower and hit his head. Luckily for Joel, his employer let him take a month off to recuperate. After taking some time to rest, Joel returned to work. Three short months later, Joel had a seizure while working late. His doctor ordered an MRI and an EEG but both examinations came back negative.
Nadira is a 40-year-old mother of two, currently managing a beachfront restaurant in cottage country. After getting pregnant with her third child, Nadira planned to get by on both her husband’s’ salary and the maternity benefits she would be receiving through the Ontario government’s maternity program. She was set to receive these benefits for twelve months.
Jason is a 49 year old sous chef who has worked hard at a local 4-star restaurant for over 10 years, gradually rising through the ranks. The restaurant’s executive chef is planning to retire in the next year. When his boss retires, Jason has been informed that he will take his place as executive chef of the restaurant - a goal he’s worked towards his entire career.
41-year-old Jade was a nurse in the emergency department of a major hospital in North York. Things at work were stressful - the hours were irregular and she was constantly on her feet. Jade lived alone and was often too exhausted to cook for herself when she was done a shift at the hospital. She relied on take-out and frozen dinners for most meals.
Ariane is a single mom of two, and she has always been fully responsible for taking care of her kids. As her household relies on one income, she takes her job as a government vaccine coordinator very seriously. She also takes pride in the position, and likes helping people stay safe and healthy.
Diana Sutter was a hard-working woman who loved her job. Having worked with Children’s Mental Health Ontario for over twelve years, Diana had dealt with many different people and situations. Not much could upset her anymore. She loved her co-workers and enjoyed going to work every day.
Susan, a 54 year old legal assistant and mother of three adult children, arrived home from work one evening to receive a call telling her that her only daughter was being rushed into emergency surgery that would likely amputate both legs. Her daughter had presented at hospital malnourished and infected with flesh-eating disease caused by her illicit injection drug use. Dropping everything, Susan took the next flight to the West Coast to be with her daughter and to see to her care.
For many years, Rebecca had liked her job as an insolvency consultant, but the combination of gaining new and bigger responsibilities in the workplace, and an increasingly busy family life, started to cause Rebecca to experience panic attacks at work. The emotional and mental stress of consulting with clients who were under great stress and sadness, as well as dealing with a lot of harassing phone calls from creditors and collection agencies, made it difficult for Rebecca to handle the increased workload and day to day family life. Although Rebecca asked for support from her employers, her stress was not taken seriously.
Tanya had come a long way in her life. She had lost her husband, raised their five children on her own and was climbing the ladder at work. For a long time, Tanya felt great about her experience at work; they gave her many opportunities and responsibilities. In fact, many people at work saw Tanya as an inspiration, and went out of their way to celebrate her successes.
Angela was a mess emotionally and physically. The church, for whom she served as minister, turned its back on her when she needed it most. Angela was at the stage of burnt out. Her husband, who was ill, was frustrated because she spent more time at work than she spent with him.
At age 48, Lynda Morton thought that life was unfolding as it should. She had a happy marriage and two grown children. Her work as an assistant manager in a retail store was rewarding enough that she had stayed with the company for fifteen years. In a few years, she could look forward to retirement. Then illness overtook her.
Faced with stress at work and numerous personal problems, Nelson was having trouble coping. Initially his employer had been understanding and under the Group Disability benefits he had at work, he applied for short-term disability...
Scott was a top performing salesperson for a large national manufacturing company. His sales region required a lot of driving and he spent most of his time in his car.
Eric Cullin was a successful owner of 5 Tim Horton Donut Franchises. These thriving locations kept him very busy and provided for him and his family. Several years before his accountant had suggested that he should really consider buying a disability insurance policy to replace his income in the event of unexpected illness.
At age 45, Ellen Sycamore loved her job as an Administrative Assistant in a large hi tech company. There was always a new, exciting project that her team was involved with as her company was on the frontier of developments in new wireless technology.
Dr. Denis Montrose
At age 52, Dr. Denis Montrose had a thriving dental practice. He had noticed some mild tremors at age 50 and was diagnosed with mild Parkinson's Disease a few months later. Such a devastating diagnosis caused Dr. Montrose to worry about his future health and livelihood, but he considered himself lucky because he had purchased the best private disability policy available on the marketplace when his kids entered school twenty years before.
Dr. Margarite Patel
Margarite Patel had achieved all of her goals. At 35 she had established a successful family medicine practice, owned her own home, and she had recently started dating a very nice man. Everything was coming together nicely.