Do You Have a Disability Case?
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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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Quitting Your Job Can Impact Your Disability Insurance Benefits

Quitting Your Job Can Impact Your Disability Insurance Benefits

Invisible disabilities are difficult to battle in the workplace, but just because you don’t see something doesn’t mean it doesn’t exist. In the case of mental health disorders such as anxiety and depression, it’s becoming more common for employees to seek time off to recover from a disorder.  The stigma of these conditions and disorders is what often leaves employees wondering if an insurer will take them seriously or deem the claim as legitimate. In those times of overwhelming stress and disarray, an employee may feel disgruntled enough to leave their job entirely...
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Disabilities in the Media: The Road to Better Representation

Disabilities in the Media: The Road to Better Representation

Representation is far more than a Hollywood buzzword. A positive portrayal in the media can completely change the way the general public thinks about a marginalized group, and while the landscape is far from perfect, there are now a growing number of films and TV shows that feature characters (and actors) from a diverse array of backgrounds and experiences. Unfortunately, most conversations about representation still tend to exclude people with disabilities. According to a recent white paper from the Ruderman Family Foundation, able-bodied actors were cast to play the...
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When a “Change of Definition” Cancels Your LTD Benefits

When a “Change of Definition” Cancels Your LTD Benefits

Chau moved to Toronto when she was 47 – that’s when her company decided to open a new office in the city. As one of the most experienced financial advisors on the team, Chau was sent to help get the operation off the ground. At first, Chau was excited for the challenge, even if the new space did come with new responsibilities. There were fewer people in the new office than there were at headquarters, so Chau now had to take on tasks that used to land on someone else’s desk. Doing so proved to be more overwhelming than she expected. For example, Chau had to smooth...
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LTD Benefits Denied Due to Pre-Existing Condition

LTD Benefits Denied Due to Pre-Existing Condition

Kirk still remembered the anxiety he had felt when he was first diagnosed with chronic pain at the age of 32.. While it was a relief to know why he’d been in so much pain, it was stressful to learn that there was no cure for the condition. He had spent more than a few sleepless nights worrying about how to live a normal life. Thankfully, his fears proved to be mostly overblown. Some days were worse than others, but for the most part, he was able to deal with his pain well enough to go about his day. He was on a decidedly upward trajectory by the time he reached his 40s....
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How Will COVID-19 Affect My Long-Term Disability Claim?

How Will COVID-19 Affect My Long-Term Disability Claim?

The COVID-19 pandemic is already a defining moment of the century. The virus has completely disrupted the normal social order and created an overwhelming sense of economic uncertainty as social distancing relegates people to their homes and forces many businesses to shut their doors. It should go without saying that the threat (or reality) of losing your job can make a public health crisis even more stressful. That’s why it can help to know what resources – including disability benefits – are available to you if you do become sick during the pandemic. So how will the...