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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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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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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...
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Resources for Those with Depression

Resources for Those with Depression

Depression Depression is an insidious disease. Often regarded as an “invisible illness”, as with many other mental illnesses, depression affects roughly 8% of Canadians. Those under the age of 20 are most likely to exhibit symptoms of depression, and it is the fourth leading cause of disability in the world. It affects women in different ways than men, as they are 1.5 times more likely than men to be hospitalized for depression, and are twice as likely to experience depression. 90% of people suffering from depression never seek treatment. However, 80% of people who do...
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Did You Know: Depression Has Physical Symptoms

Did You Know: Depression Has Physical Symptoms

According to the Mood Disorders Society of Canada, 8% of Canadians will experience major depression within their lifetime, with youth under the age of 20 and women at the greatest risk. Many symptoms of depression affect one’s ability to function emotionally or cognitively. Certainly, we know that depression affects mood. But we don’t talk nearly enough about the physical symptoms of depression that can limit one’s functionality in more easily quantifiable ways. These symptoms are often misdiagnosed as something other than depression. Physical Symptoms of Depression...