Do You Have a Disability Case?
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Own Occupation vs. Any Occupation

Own Occupation vs. Any Occupation

Own Occupation In most cases when a claim is approved for disability benefits it will fall under the own occupation category, at least for the first few months up to approximately two years. This means that the claimant is unable to perform the specific occupation they had when they became unable to work. However, there are many nuances involved in establishing total disability during this period. Norwood on Life Insurance Law in Canada states, “Total disability in the legal sense does not require that the insured be incapable of all work activity, only that the medical...
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Top Disability Law Firm Provides Clear Communication

Top Disability Law Firm Provides Clear Communication

Our client, Joe S., was happy with our clear communication about his legal rights and how to proceed with his situation. That’s what we do best! At Share Lawyers, we understand that complicated legal procedures can be stressful and it’s our job to relieve some of that stress! Clear Communication Of Legal Rights “My experience with Share Lawyers was extremely good! There was no stress! I found their communications to be very informative and helpful, and I appreciated having someone stand behind me and have no judgments. All the staff were kind, understanding and...
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The Pre-existing Exclusion Clause and Non-Evidence Limits in Group Insurance Plans

The Pre-existing Exclusion Clause and Non-Evidence Limits in Group Insuranc...

Pre-Existing Exclusion Clause Almost all group LTD policies contain pre-existing condition exclusions. Most claimaints are not aware that they face such exclusions, and they certainly rarely understand how they operate. Because pre-existing condition exclusions do not usually operate during a STD claim, when it is raised once the claim becomes LTD, it creates a great deal of confusion, disappointment and anger. The rationale behind the pre-existing exclusion clauses seems to be focused on the fact that group LTD policies are very rarely underwritten on an individual...
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I Can’t Work Because of Anxiety and Depression. Am I Eligible for Disability Insurance Benefits or Should I Quit My Job?

I Can’t Work Because of Anxiety and Depression. Am I Eligible for Dis...

Disability Benefit Eligibility In recent years, a growing number of workers are filing for disability benefits through their group or private insurance due to debilitating mental health disorders such as anxiety and depression. These conditions arise for different reasons in different people. Genetics, a stressful lifestyle, a traumatic experience or a hostile workplace are just some of the factors that could cause or contribute to a diagnosis. Claimants are often unsure about whether their disorder will be viewed by the insurer as a legitimate disability since there is...
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Hope for Sufferers of Invisible Disabilities in their Legal Battles

Hope for Sufferers of Invisible Disabilities in their Legal Battles

There are many challenges faced by an individual who is struck with a condition, including the invisible disabilities, that finds him or her unable to work.  It is often an already overwhelming experience in attempting to access the medical system to obtain effective diagnosis, treatment and rehabilitation. Yet, the person’s efforts are sometimes forced to focus elsewhere; without an income, and when the disability benefits on which he or she had expected to rely are terminated or denied, it is the legal system to which the individual is forced to turn. In these...