Do You Have a Disability Case?
delete
Personality Changes After Brain Trauma

Personality Changes After Brain Trauma

(*Please note that this article contains links to an article and podcast that may trigger some readers) If you or someone you know has experienced a concussion, you are likely familiar with the common symptoms that can occur from a minor head injury. Short term effects include headaches, temporary loss of consciousness, dizziness, ringing in the ears, nausea, fatigue, blurred vision and sensitivity to light and sound. These symptoms can last anywhere from a few hours to several days. Experiencing a more severe brain injury can cause serious long-term effects. These may...
delete
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...
delete
Limitation Periods Revisited – Western Life Assurance Company v. Penttila

Limitation Periods Revisited – Western Life Assurance Company v. Penttila

The Ontario Divisional Court revisited the vexing topic of disability benefits and the applicable limitation period in Western Life Assurance Company v. Penttila[i].  For claimants, the good news is that the principle of “discoverability” is alive and well, which means that the calculation of when the two year limitation period in Limitations Act starts to run depends on the circumstances of the particular case. Here is a brief chronology of the facts in the Western Life case: May 16, 2012 – LTD approved February 19, 2013 – Western advises the claimant that...
delete
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...
delete
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...
delete
When a Claim is Unclear, a Denial is Even More Likely

When a Claim is Unclear, a Denial is Even More Likely

We first met Walter when he was 37 years old. After a year of struggling with his mental health, he was looking for support for himself and his family. He was grateful to have found us, and we were lucky to be a part of his journey. As a truck driver, it was important for Walter to be fully engaged while driving. He was dealing with potentially dangerous situations on a daily basis, and there was little room for error. He had always been confident and focused at his job, but had recently begun to experience bouts of acute anxiety. Tasks that had seemed straightforward to...