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Canadian Armed Forces Veterans & the SISIP Long Term Disability Plan

Canadian Armed Forces Veterans & the SISIP Long Term Disability Plan

In 2018, the Liberal government put aside more than $622 million to bail out the LTD plan for Canada’s veterans, as part of the 2018 budget. Like other Canadians who find out that they must fight to recover their disability insurance benefits, veterans are no different, although they appear to also face chronic funding shortages that appear to contribute to claims being denied or cut off prematurely. SISIP stands for the Service Income Security Insurance Plan. The plan is underwritten by Manulife Financial who administer these claims much as they would any LTD plan...
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Mental Health LTD Claims Frequently Denied

Mental Health LTD Claims Frequently Denied

To his friends and family, Omar was always known as content, somewhat introverted, and unassuming. At 41 years old, he was a business analyst who always showed up to work on time, and put in a solid effort. He lived in a nice apartment with his dog, enjoyed following local sports teams, and spent time with his loved ones on the weekends. What those around him didn’t see was that inside Omar was suffering. In his mid-30s, Omar started to realize that he might be affected by low-grade depression. His gloomy days were getting more frequent, and there were one or two weekends...
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Mental Illness is More Common Than You Think

Mental Illness is More Common Than You Think

Content Warning: This article deals with sensitive subject matter around the topic of suicide. Mental health issues are far more common than many people realize. The Canadian Mental Health Association reports that one in five Canadians will experience a mental health problem in any given year, with a full 50% of the population going through some form of mental illness by the time they hit 40. Unfortunately, the prevalence hasn’t done much to erase the stigma. Half of those battling anxiety or depression have never sought any form of treatment, and it’s easy to see why...
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Social Media Surveillance Leads to a Denied Claim

Social Media Surveillance Leads to a Denied Claim

From the outside, Felicity’s life looked perfect. She had always been an avid user of social media, and now that she was in the cosmetics industry, she worked even harder to hold up the façade. Her Instagram made it seem like her days were filled with one adventure after another, a series of posts featuring amazing beauty products and smiling faces.    However, her followers never saw the anxiety that lurked beneath the surface. Felicity worked as a visual merchandiser in a beauty supply store, and while that had seemed like an exciting job in her 20s, she was beginning...
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The Provincial Stance on PTSD in the Workplace

The Provincial Stance on PTSD in the Workplace

Soldiers and first responders are not the only people who experience traumatic events in the workplace. More and more provinces are beginning to recognize that post-traumatic stress disorder can result from adverse conditions in a number of different jobs and are passing legislation that offers unique protections to affected employees. Unfortunately, the strength of such benefits can vary depending on the province and the profession, with much of the support being directed to first responders. That shouldn’t come as much of a surprise. Firefighters, paramedics and police...
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Defining Disability: Hearing & Vision Loss

Defining Disability: Hearing & Vision Loss

Defining what falls under the category of disability, especially when dealing with insurance companies, is often tricky. At Share Lawyers, we have managed thousands of cases involving the clarification of what legally can be defined as a disability. Within these, hearing and vision loss pose their own unique set of challenges. Recent statistics show that over one million Canadians suffer from hearing loss. The definition of hearing loss ranges from minor problems to complete deafness. While there are numerous reasons it can occur, the major causes are age-related issues...