Do You Have a Disability Case?
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Marketing Director with Post-Traumatic Stress Disorder “Not Totally Disabled”; Insurance Company Denies Benefits

Marketing Director with Post-Traumatic Stress Disorder “Not Totally D...

Our client, a 39-year-old female employed as marketing director with a major financial institution in Toronto, developed post-traumatic stress disorder (PTSD) after she was violently attacked and sexually assaulted by a stranger in a shopping mall parking lot. Diagnosed With Post-Traumatic Stress Disorder A few weeks following the assault, our client attempted to return to work. Unfortunately, she was not able to manage the key responsibilities of her job. She suffered debilitating flashbacks that left her scared, panicked and confused. Her employer and psychiatrist...
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Disability Claims and Limitation Periods

Disability Claims and Limitation Periods

Limitation Period A limitation period is the amount of time the law permits an individual to bring an action, or “claim”, against another party in court. Ontario’s Limitations Act, 2002 (the “Act”) defines a claim as “a claim to remedy an injury, loss or damage that occurred as a result of an act or omission.” While the general rule is that an individual has two years from the date of injury, loss or damage to proceed with legal action, it is always best to speak with an experienced disability and injury lawyer to determine the actual date that the...
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LTD Denied – Is It Mandatory to Appeal or Should I Hire a Lawyer?

LTD Denied – Is It Mandatory to Appeal or Should I Hire a Lawyer?

If your insurance company has denied your long term disability claim, you may be considering whether to follow the insurer’s appeal process or hire a lawyer. Appeals Are Not Mandatory Generally, an appeal may be effective if you failed to provide detailed medical reports from your specialists in your initial application. If, however, you have already provided extensive information and there is nothing dramatically different to report to the insurance company, an appeal is unlikely to yield results, as insurance companies rarely overturn their original decisions....