Do You Have a Disability Case?
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Is Your Employer Providing the LTD Benefits You Think You Have?

Is Your Employer Providing the LTD Benefits You Think You Have?

When you enroll for Group Benefits at your workplace, if you are being provided with Long Term Disability Benefits, you should make sure that you check that you have the amount of coverage you think you have. By way of an example, take the following situation. Jane works as an administrative assistant in a professional office. When she started working, she was given forms to fill out to enroll in the Group Benefits, including LTD benefits. Jane’s salary is $45,000.00 and she understands that her LTD benefits are supposed to be based on 60% of her salary, or $2,250.00 per...
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Long Term Disability Deadlines, Limitation Periods and Wiles v. Sun Life, 2018 ONSC 1090

Long Term Disability Deadlines, Limitation Periods and Wiles v. Sun Life, 2...

On December 6, 2017, the Honourable Justice G.E. Taylor of the Ontario Superior Court of Justice granted Summary Judgment to Sun Life, dismissing the claim for long term disability benefits of Tina Wiles.   The relevant timeline in this case is as follows: October 2015 – Ms. Wiles becomes totally disabled; Wiles was employed at Spaenaur Inc. until November 3rd, 2015 – employment terminated without cause; Claim for Salary Continuance on basis of disability was made shortly thereafter; End of elimination period + 90 days – July 31st, 2016 January 2017 – lawsuit commenced...
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Are You Eligible for Benefits?

Are You Eligible for Benefits?

Your Benefit Package When you start at a new job, one of things to consider is what benefits are being provided to you as an employee.  Most people want benefits and tend to focus on benefits for medical expenses not covered by the provincial health plan as well as dental and vision benefits.   Most group benefit plans also include life insurance, accidental death and dismemberment, critical illness insurance and disability benefits, but the details of these benefits are often glossed over by people who are focused on getting the job. So, if you think you have benefits at...
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Common Misconceptions about Disability Insurance Law: Pt 1

Common Misconceptions about Disability Insurance Law: Pt 1

“It’s easy to get a settlement!” This has two distinct areas to consider: The difficulty of proving your case You are not able to work due to a medical condition. Your doctor provides a supportive form or report to the insurance company and still the insurance company has denied your claim. How is this possible? Frustrating and puzzling to both yourself and your health care providers as this may be, disability insurance policies are written with many qualifying clauses and exclusions that can make the initial approval very challenging, and so it should...
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Common Misconceptions about Disability Insurance Law: Pt 2

Common Misconceptions about Disability Insurance Law: Pt 2

“It shouldn’t take long to settle one of these cases!” In the first blog in this series, we discussed how “easy” it is to get a settlement of your disability claim. For many clients, the idea of it being easy to get a settlement also means that it should happen very quickly, or “It shouldn’t take long to settle my case!” What may seem straightforward to you, is usually anything but. When it comes to convincing an insurance company that they should fork over a settlement to you it isn’t’ so easy. Time is not on your side, which is something we truly...
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Long Term Disability Benefits and C.P.P. Disability – What’s the Difference?

Long Term Disability Benefits and C.P.P. Disability – What’s the Difference...

We often encounter confusion from people regarding LTD vs. CPP, and we hope to clarify the differences with some quick points. General LTD is private insurance available through Group Insurance Benefits, usually through a workplace, or group association or by purchasing a private policy from an insurance company, while disability benefits from the Canada Pension Plan (CPP) are government-sponsored and administered benefits available to all Canadians who make contributions into the plan, usually through source deductions from your pay cheque. Is CPP Deductible from LTD?  ...