Do You Have a Disability Case?
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New Memoir by Jan Wong Draws Attention to Workplace Depression and the Familiar Battle for Long-Term Disability Insurance Benefits

New Memoir by Jan Wong Draws Attention to Workplace Depression and the Fami...

Renowned Canadian author and journalist Jan Wong launched her latest book this month, a self-published memoir entitled Out of the Blue. It is an insightful and brave account of workplace depression, and the subsequent battle with the employer and insurance company for disability benefits–a battle that many people have, unfortunately, experienced. Wong was a star reporter during her 20 years at the leading Canadian daily, The Globe and Mail. However, all of that changed overnight when an article she wrote about the Dawson College Shooting of September 13, 2006,...
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What is Mediation and How Can it Help My Claim?

What is Mediation and How Can it Help My Claim?

When you are awaiting settlement with your insurance company, the most likely next step is a Mediation Process. Mediation is a step before a trial in which the parties can seriously negotiate and come to an agreement in order to avoid the risk and expense of a trial. At mediation, you are called upon to answer questions. It’s a pressure cooker situation. However, it’s brief, comes along a lot quicker than a trial, costs less, and in most cases, results in a satisfactory outcome for both parties. Mediation is also a confidential process, whereas the details and...
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My Disability Insurance Claim Has Been Denied and My File Has Been Closed. What Do I Do Now?

My Disability Insurance Claim Has Been Denied and My File Has Been Closed. ...

If your disability claim has been denied, there are several steps you should take: Return to your specialist and request more detailed information that specifically addresses the issue of why you cannot work so that you may then submit this information to the insurance company as part of your appeal. It is appropriate and acceptable to pay physicians in Ontario to write a detailed report for you, and could be the motivating factor if your doctor is managing a heavy patient load. Make a claim to Canada Pension Plan disability benefits. They may be available to you if you...
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How Do Insurance Companies Evaluate Disability Claims?

How Do Insurance Companies Evaluate Disability Claims?

Insurance companies operate under a business model that involves underwriting risk (placing a dollar value on your risk of becoming disabled and filing a claim), taking in premium dollars from its policyholders (you or your employer), investing those dollars, and, when necessary, paying out on claims made on its policies. For the insurance company to prosper, or even stay in business, it must maximize premium dollars and return on investments while minimizing the cost of claim. Insurance companies operate in highly competitive markets, and it is not uncommon for insurance...
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Partner Abandonment – Facing Illness Alone

Partner Abandonment – Facing Illness Alone

The term “life-changing diagnosis” can sound like the understatement of the century if your partner has abandoned you due to your illness. A 2009 study published in the journal, Cancer, entitled Gender Disparity in the Rate of Partner Abandonment in Patients with Serious Medical Illness, found that a married woman diagnosed with a serious disease is six times more likely to be divorced or separated than a man with a similar diagnosis. Among study participants, the divorce rate was 21 percent for seriously ill women and 3 percent for seriously ill men. Those...