Do You Have a Disability Case?
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Consider Applying to Social Services While Waiting for Your Insurance Settlement

Consider Applying to Social Services While Waiting for Your Insurance Settl...

“But the insurance company should be paying my Benefits.” Yes, they should be paying your Long-Term Disability Benefits. But in the meantime you still have to eat. When the savings have been used, borrowing tapped out and credit at its limit, social services is an option to consider. Ontario Social Services In Ontario, social services (welfare) is an “income of last resort”. You can have a certain level of assets but nothing more. There has to be no income to the family unit, or at least a low enough income to meet the criteria (based on number of...
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Hope for Sufferers of Invisible Disabilities in their Legal Battles

Hope for Sufferers of Invisible Disabilities in their Legal Battles

There are many challenges faced by an individual who is struck with a condition, including the invisible disabilities, that finds him or her unable to work.  It is often an already overwhelming experience in attempting to access the medical system to obtain effective diagnosis, treatment and rehabilitation. Yet, the person’s efforts are sometimes forced to focus elsewhere; without an income, and when the disability benefits on which he or she had expected to rely are terminated or denied, it is the legal system to which the individual is forced to turn. In these...
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The Registered Disability Savings Plan (RDSP) and Your Disability Settlement

The Registered Disability Savings Plan (RDSP) and Your Disability Settlemen...

How To Ensure Long-Term Financial Security Often questions arise at the conclusion of a long-term disability action or motor vehicle claim as to how to ensure long-term financial security. Asking the right questions from your financial advisor and accountant is very important. For some disabled persons who have concluded a settlement or are granted an award from the court, the Registered Disability Savings Plan (RDSP) is a useful way to grow their settlement and ensure financial security.The RDSP is a tax-sheltered savings tool that can be used by disabled persons...
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Increase in Fraud Leads Insurers to be More Skeptical of Genuine Disability...

Fraud Claims On The Rise Toronto’s Fraud and Waste Hotline has uncovered fraud perpetrated by employees of the City to the extent of over $500,000. Making fraudulent claims to the employee benefit plan administered by Manulife Financial and falsification of medical notes are some of the allegations being leveled against nine staff members. This does not bode well for those claimants with legitimate disability claims against insurers like Manulife Financial. Whereas in the past insurers might have been more inclined to accept that a claimant was making a disability...
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Long-Term Disability and the Requirement To Be Under the Regular and Continuous Care of a Physician

Long-Term Disability and the Requirement To Be Under the Regular and Contin...

Most disability policies contain a provision requiring claimants to be under the continuous care of a physician and also require the claimant to be participating in reasonable treatment. No Physician Care Could Result In Denied Claim We see many cases where benefits are terminated due to an alleged failure of the claimant to be under the regular care of a physician and thus a failure to obtain appropriate treatment for their disabling medical condition. In the case of Andreychuk v. RBC Life, a 44-year-old lawyer’s claim for benefits was dismissed on this basis. The...