Do You Have a Disability Case?
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Should I Be Doing Full-Time Work or Part-Time Work When Ill or Injured?

Should I Be Doing Full-Time Work or Part-Time Work When Ill or Injured?

It goes without saying that working while ill or injured can be incredibly difficult. Many opt to reduce the number of hours they work on a regular, long-term basis in order to manage, but it’s important to understand what that could mean for your disability claim. Disability benefits are usually based on the number of hours that you worked or the amount of income that you earned prior to leaving your job on account of disability so reducing your hours for an extended period of time could result in lower disability benefit entitlement. We know this process can be...
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Can Insurance Companies Use Their Own Definitions of Common Critical Illnesses Such As Heart Attack, Cancer or Stroke?

Can Insurance Companies Use Their Own Definitions of Common Critical Illnes...

Under most policies, a critical illness is one that results in the loss of independence. Cancer, Stroke, Heart Attack, Heart Surgery, Kidney Failure, Organ Transplantation, Brain Tumour, Paralysis, Coma, Permanent Disability, Alzheimer’s, Parkinson’s diseases, and Multiple Sclerosis may qualify you. The problem lies in the fact that the typical definition of a critical illness may not necessarily be the same definition you find in your policy documents. For example, it’s entirely possible to have a heart attack and not receive any form of payment- and...
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What are Common Limitations and Exclusions in Critical Illness Policies?

What are Common Limitations and Exclusions in Critical Illness Policies?

You might be wondering what the difference is between critical illness insurance and disability insurance? Don’t worry- Share Lawyers are here to help! Critical illness insurance generally provides a lump sum payment as specified in the policy if you are diagnosed with an illness set out in the policy. It is important to understand that most critical illness policies have a detailed description of the type of illnesses or conditions that will qualify for the payment. Being disabled from gainful employment may not be relevant to entitlement to a payment under a...
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What Rights Do Beneficiaries Have If Their Life Insurance Claim Has Been Denied?

What Rights Do Beneficiaries Have If Their Life Insurance Claim Has Been De...

Life insurance can provide a financial payment to your family and loved ones upon your death. When you purchase a life insurance policy, you name a beneficiary who will receive the death benefit specified in the policy upon your death, tax-free. The last thing you want is to see your beneficiary’s life insurance claim denied. Unfortunately, there are many reasons why this can happen. The most common way life insurers are able to deny claims on a valid policy where the insured has died within two years is through so-called “material misrepresentation” on...