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Life After LTD Settlement for Cancer Treatment Pain

Life After LTD Settlement for Cancer Treatment Pain

Stephanie, a 40-year-old bus driver, had worked tirelessly at her job for many years. Through exhaustive and often stressful, Stephanie still loved her job; it allowed her to connect with her community and help in a tangible way. That’s part of why it was so painful when she had to take time off after her breast cancer diagnosis. She was told her chances of recovery were high, but she needed to focus on treatment.  Thankfully, she had the full support of her employers, coworkers, family, and friends, which she often attributes to the success of her treatment. She was...
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Denial Of PTSD Based on Insufficient Medical Evidence

Denial Of PTSD Based on Insufficient Medical Evidence

Jessica was always a creature of habit. A fan of routine, she’d been following the same one every day for the past decade. She’d start her day with a coffee and a lift to work from her husband. She’d sit on the same park bench every lunch, and then walk home when the day was done to get her exercise in. In fact, it was this walk home that was her favourite part of her day as it gave her time to relax and focus on herself.  Then, one day, she was attacked on her evening walk home. Someone had crept out from behind a nearby building, grabbed her, and threatened her...
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Living with Middle-Stage Alzheimer’s

Living with Middle-Stage Alzheimer’s

As our population ages, the number of people affected by Alzheimer’s disease will increase dramatically. As it currently stands, 65% of Canadians diagnosed with the disease are over the age of 65 – but some are even younger. Though earlier diagnosis, access to better treatment options, and a greater understanding of the disease itself are changing the quality of living for people with Alzheimer’s, the challenges of living with the condition remain all too real.  Maggie, 47, was enjoying her career as a social worker in North Bay. She had spent the better part...
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Common Surveillance Tactics Used by Insurance Companies

Common Surveillance Tactics Used by Insurance Companies

If you’ve filed a claim for long-term disability, you may be wondering if the insurance company will begin spying on you to make sure your claim is legitimate. The short answer is that maybe they will, but there is a lot more to it than simply spying on those who submit claims.  Insurance companies do have to battle fraud, though oftentimes their surveillance findings are incomplete or biased. And although undercover surveillance may seem unethical, it is actually legal if performed correctly. In an effort to protect yourself, it’s essential to know what the most...
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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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Working From Home: Tips From the Share Lawyers Team

Working From Home: Tips From the Share Lawyers Team

As a result of COVID-19, many Canadians are finding themselves either out of work or forced to work from home. And while many Canadians may already work from home, those who are new to the practice may find it difficult to adjust. As such, the Share Lawyers team is here to answer all your questions about how to work from home like a pro while taking care of your mental and physical health.  What are your go-to meditation or mental health apps or websites? While the idea of working from home seems like a dream come true, the reality is that it takes a great deal of...