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Update on Wiles v. Sun Life – Limitation Periods and Relief from Forfeiture – Ontario Court of Appeal Upholds Summary Dismissal of Claim

Update on Wiles v. Sun Life – Limitation Periods and Relief from Forfeiture...

Several months ago, I wrote a blog regarding this case where I suggested that perhaps the summary judgment decision would be reviewed by the Ontario Court of Appeal. The OCA released their decision on September 19, 2018, upholding the dismissal granted by Justice Taylor. Taylor, J. had dismissed the lawsuit against both Sun Life and the employer on the basis that the one-year limitation period in Sun Life’s LTD policy had been missed, and on the basis that Ms. Wiles failure to submit a timely LTD application did not provide the necessary criteria for granting relief from...
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A Paramedic, Denied His Benefits

A Paramedic, Denied His Benefits

First responders seldom got the glory – but that never bothered Peter. He became a paramedic because he wanted to help people, not because he wanted the attention. Peter saved people’s lives. He might not be a doctor or a nurse, but he was proud of the work he did as a crucial member of the medical system. He never expected the personal cost to be so high. As the first person at the scene of an accident, Peter would often arrive to discover that there was nothing left to be done. The natural world can be careless and cruel. Over the course of ten years, he’d seen...
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A Day in the Life: PTSD from Bullying

A Day in the Life: PTSD from Bullying

Content Warning: This article deals with sensitive subject matter around the topic of bullying and suicide.   John often had a difficult time explaining Post Traumatic Stress Disorder. Most of the people he met in his day to day life never knew that he had any issues with his mental health, and the ones who did seldom saw the worst of it. It’s not as if John walked around telling people about his disorder. It was a personal medical issue, one that he dealt with in his own time on his own terms under the guidance of his therapist. He had learned to navigate the world...
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When PTSD Is Not Enough to Secure Disability Benefits

When PTSD Is Not Enough to Secure Disability Benefits

Content Warning: This article deals with sensitive subject matter around the topic of sexual assault and sexual abuse of children. Jane, aged 27, knew that sex was a major part of the lives of most adults. But she could never relate to that coming-of-age experience. There was always a distance as if she had been kicked out of some secret club even though everyone else had been given a free membership. After years of depression and talk therapy, Jane was diagnosed with Post Traumatic Stress Disorder stemming from the sexual assault she experienced as a child. She was still...
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Family Physician Denied Benefits

Family Physician Denied Benefits

As a family physician, Erica can’t even count the number of patients who have asked her to support some kind of long-term disability claim. It’s a lot more common than people think. The causes and conditions vary – she’s dealt with everything from heart disease to the lingering after-effects of car crashes – but in each case, the symptoms are very real. Her patients have chronic medical issues that prevent them from doing their jobs, and they need a professional medical opinion to make sure their claims get honoured by an insurance company. Yet Erica didn’t fully...
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Sex Addiction: Resources for Those Who Are Suffering

Sex Addiction: Resources for Those Who Are Suffering

Our culture’s understanding of addiction has changed drastically over the last century – even over the last decade. While discussions surrounding alcoholism and drug addiction have become more mainstream and universally examined, the same can’t be said for all forms of addiction. Our common conception of sex addiction is far from fully understood. Much like many forms of substance abuse, sex addicts become dependant on the chemical release that occurs during certain sexual encounters. This dependency has the potential to cause extensive damage to their lives and the...