Do You Have a Disability Case?
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OHIP+: Children and Youth Pharmacare – How OHIP+ Will Make A Difference For You

OHIP+: Children and Youth Pharmacare – How OHIP+ Will Make A Differen...

Beginning January 1, 2018, the province will provide drug coverage for children and youth who are covered by OHIP and aged 24 and under, regardless of family income. For many youth and families, this is an exciting prospect for those who require medications and therapies not currently covered by OHIP. OHIP+ will create a new class of eligible recipients under the Ontario Drug Benefit (ODB) program, which includes medications eligible for funding through the Exceptional Access Program (EAP). We’ve rounded up the pertinent information about this new OHIP+ program and what...
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Ask a Lawyer: Fibromyalgia

Ask a Lawyer: Fibromyalgia

Read about specific issues surrounding Fibromyalgia and disabilities claims. Q: Is Fibromyalgia considered a disability in Ontario? A: Yes, fibromyalgia is considered a disability in Ontario. Fibromyalgia is one of several ‘invisible disabilities’ that require certain specific medical criteria to be considered a valid diagnosis.   Q: My friends and family have told me that insurance companies do not pay long-term disability claims to people suffering from fibromyalgia. I recently applied and haven’t heard anything yet. What can I expect? A: Insurance companies tend...
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Fibromyalgia: Sensory Overload

Fibromyalgia: Sensory Overload

Did you know that one of the symptoms of Fibromyalgia is hypersensitivity? It’s true – Fibromyalgia causes uncomfortably heightened senses or, in other words, an extreme response to external stimuli. Muscle pain and even the sense of touch may be felt at increased intensity. Fibromyalgia produces higher levels of inflammatory markers in the skin, causing touch and even tight-fitting clothing to feel painful. Sensitivity to light, smell and other stimuli also increases, as fibromyalgia makes it difficult for the mind to sort out all of the sensory input that it’s...
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How are WSIB Claims Different from LTD Claims?

How are WSIB Claims Different from LTD Claims?

The interplay between claims for Long Term Disability benefits and income benefits from the Workplace Safety and Insurance Board (WSIB) can be quite confusing. Generally speaking, if you have been injured in an accident that takes place at work and your workplace is covered by WSIB, a claim should be submitted to the WSIB. The benefits that are payable by WSIB are based on statute and regulation and must arise from a workplace injury. WSIB has extensive policies, regulations and prior decisions that determine whether a disabling injury is covered.    Disability Insurance,...
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What is the Difference between Short-Term and Long-Term Disability?

What is the Difference between Short-Term and Long-Term Disability?

Are you disabled or injured, and contemplating filing a claim for disability insurance benefits? If so, do you will need to apply for short or long-term disability coverage. The vague phrasing makes it difficult to know which one to apply for from the outset of your experience. Simply put, long-term disability coverage can last for years, while short-term disability coverage lasts for just weeks or months (generally up to one year maximum) Long-term disability insurance policies generally cover periods ranging from a couple of years to the remainder of your life....