Do You Have a Disability Case?
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How Do I Convince My Insurance Provider to Approve My Claim?

How Do I Convince My Insurance Provider to Approve My Claim?

When it comes to a long term disability claim, the diagnosis is only half the battle. You still need to get your insurance company to approve your disability. Most providers will be hesitant to do so and will scrutinize your application to find a way to invalidate your claim and avoid paying benefits. So what can you do to make sure your claim makes it through the rigorous review process? Generally speaking, more evidence is always better. X-rays, CAT scans, MRIs, ultrasounds, and other test results can all serve as irrefutable evidence of a medical condition. If you can...
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[VIDEO] Teachers, Chronic Pain, & the Importance of Disability Benefits

[VIDEO] Teachers, Chronic Pain, & the Importance of Disability Benefit...

The need for disability benefits can feel unnecessary. To the average person who has never experienced physical or mental impairments, it can be incomprehensible. But the fact is that some disabilities actively inhibit your ability to function on a day-to-day basis. If you can’t function normally during your daily routines, going to work and performing to a set standard will also be next to impossible. Teachers who suffer from chronic pain are an excellent example of why disability benefits are so necessary.  Most teachers spend their days on their feet in front of...
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Workplace Stress, By the Numbers

Workplace Stress, By the Numbers

Canadians are more stressed than ever. According to Stats Canada, 21% of the population over the age of 12 experiences high to extreme levels of stress on a regular basis, a figure that jumps to 29.4% between the ages of 35 and 49. Of course, that age breakdown shouldn’t be all that surprising. People in the 35-49 age range are usually in the prime of their careers, and much of their stress can be directly attributed to their employment. Canadian workers were significantly more stressed than the population at large, with 27% feeling high to extreme levels of stress – and...
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LTD Benefits Revoked After  Trip Surveillance

LTD Benefits Revoked After Trip Surveillance

For Charlie, time away from work was hardly a vacation. He had been forced to stop working as the front desk concierge at a condo building in downtown Calgary, and his condition was yet to improve more than a year after filing a long term disability claim. His doctors had diagnosed him with arthritis – their expertise had allowed him to get his claim approved – but so far they hadn’t found a way to reduce his symptoms. Until then, there was simply no way he could even consider going back to work. On most days, he could barely make it downstairs without suffering...
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How Celebrities Change the Profile of Mental Illness

How Celebrities Change the Profile of Mental Illness

A mental health issue like anxiety or depression is a perfectly legitimate basis for a disability claim, especially if it interferes with regular workplace responsibilities. Unfortunately, people have powerful misconceptions about what a person with depression is supposed to look like, and can be dismissive of those who don’t fit the expected profile. That can be particularly true in the case of celebrities, many of whom have been increasingly forthcoming about their struggles with mental health. Justin Bieber, for instance, recently took to Instagram to reveal that he...
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Important Information for Travellers on Long Term Disability

Important Information for Travellers on Long Term Disability

Those who travel know how important it is to be well prepared. From carry-on regulations to size requirements to packing lists, the more you plan for in advance, the smoother your travels will be.  For individuals on Long Term Disability (LTD), good organization will not only make travel easier but can be a necessary component for being able to travel at all. This is because the stakes are often high. One’s insurance company, for instance, may see travel as being inconsistent with being disabled from gainful employment. Planning for this is imperative.  The most...