Do You Have a Disability Case?
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
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...
delete
How Long Does a Long Term Disability Case Take?

How Long Does a Long Term Disability Case Take?

One of the most frequently asked questions we get from clients, is how long will my disability insurance case take?   Most people who contact us have been without financial support their disability benefits were supposed to offer for some time, and they are facing a mounting number of bills and uncertainty regarding their finances. So, obviously, how long it takes is very important to people whose benefits have been denied or cut-off. It should come as no surprise that the insurance company is in no particular rush to get these cases settled.  They undoubtedly hope that...
delete
Denied Benefits for Fibromyalgia Pain

Denied Benefits for Fibromyalgia Pain

At 36, Jane felt older than her age. As she entered her late 30s, she knew that taking care of her body would become an increasingly vital priority in her life. Like many of her friends, she put an emphasis on eating healthy, being active, and ensuring that she got the right amount of vitamins and nutrients. However, even though she had a generally healthy lifestyle, something felt off. While her friends complained of occasional back pain and less energy than they had in their 20s, her issues seemed more severe. She began to suffer from constant fatigue, problems with her...