Do You Have a Disability Case?
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Can Your Disability Insurer Deduct Canada Pension Plan Benefits from your Monthly LTD Benefit?

Can Your Disability Insurer Deduct Canada Pension Plan Benefits from your M...

Primary CPP Benefits – The Answer is Yes Most Canadians who are receiving Long Term Disability Benefits through a Group Insurance Benefit Plan are asked, at some point, to apply for disability benefits from the Canada Pension Plan.      Most group policies require this and if approved will result in a reduction of your monthly LTD benefit. Moreover, a failure to apply could result in the insurance company estimating the amount of CPP benefits and deducting the amount, even if you’re not receiving it. People have a lot of difficulty understanding why this is...
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How Does the Canada Pension Plan Affect My LTD Benefits?

How Does the Canada Pension Plan Affect My LTD Benefits?

Though they can seem similar, long-term disability (LTD) benefits are not the same thing as the disability benefits that are distributed through the Canada Pension Plan (CPP). If you’re considering a disability claim, it’s important to be aware of the differences, so you have a better understanding of the application process and the resources you may be entitled to receive. So what’s the difference between LTD and CPP? Long-term disability benefits are available through Group Insurance Benefits (usually offered through your employer) or an Individual Disability Insurance...
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What Happens After You Win LTD Benefits?

What Happens After You Win LTD Benefits?

Our clients have so many questions about what they should do when they are denied their long term disability benefits, and we are always happy to help them through this process. But what happens after we secure them the benefits they deserve. The following is an experience from one of our clients with fibromyalgia. ** Barbara’s problems began when she was diagnosed with fibromyalgia at the age of 37. The pain made it difficult to carry out her responsibilities as a software engineer, so she applied for disability benefits as soon as she received the official diagnosis....
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A Day In The Life With Rheumatoid Arthritis

A Day In The Life With Rheumatoid Arthritis

Chronic pain can make even the most rudimentary tasks impossible. It’s also a profoundly isolating experience, whether you live alone or with a family. One of our clients, Rowan*, was kind enough to share what her day-to-day experience was like. A 40-year-old teacher with rheumatoid arthritis (RH), she has a family to take care of; a husband, John, and two young girls. John works full time as well and takes care of the majority of the housework on his own. This is what a typical day in Rowan’s life looks like.  5:30 a.m. My pain always wakes me up. It’s agony. First...
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Justin Bieber Reveals He Has Lyme Disease

Justin Bieber Reveals He Has Lyme Disease

In early January, Justin Bieber announced by way of an Instagram post that he was recently diagnosed with Lyme disease. The news came as a shock to fans as it was revealed he’d been suffering from symptoms of the condition for a long time on top of other highly debilitating conditions such as chronic mono.   In his post, Bieber drew attention to the spread of misinformation based on appearances. “While a lot of people kept saying Justin Bieber looks like [****], on meth etc. they failed to realize I’ve been recently diagnosed with Lyme disease,” he said. “[N]ot only...
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How Long It Takes for Long-Term Disability Claim to be Approved

How Long It Takes for Long-Term Disability Claim to be Approved

Submitting a long-term disability claim can be frustrating. From the length of time it takes to hear back on your claim to misinterpretations of policies, it’s a stressful time for those impacted. One of the more common questions surrounding LTD claims is how long it will take for a disability claim to be approved.  LTD Claim Approval Process  Different factors will impact the time in which it takes for your insurance company to process your long-term disability claim. Start the process by thoroughly reading your policy, whether it’s a group disability insurance...