Helen Smith was a 46-year-old woman who suddenly began suffering cognitive impairment, chronic pain, muscle weakness and fatigue. She tried to remain at work as a sales consultant, but by February 2010, she had to stop working due to her symptoms. Helen underwent numerous medical tests, and doctors could not agree on the cause of the symptoms. […]
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Pre-existing Conditions and Long-Term Disability
Did the insurance company deny your benefits because your condition was pre-existing? Are you worried you won’t be able to get on long-term disability because you suffered from a condition in the past? If so, you are in the right place. Pre-existing conditions are one the most common reasons for a long-term disability denial. Most […]
Can I Quit My Job While on Long-Term Disability?
Every week, people call in to ask us if they can quit their job while on an open long-term disability (LTD) claim. So, we decided to write this article to explain whether this is, in fact, something you can do as well as the ramifications and effects that may occur if you do quit. Generally […]
Success Story: Roger White
When Roger turned thirty, he hit a wall. He began to struggle with even the most basic activities, like getting out of bed, preparing meals, and doing household chores. He also started having problems at work. He was fighting with co-workers, unable to complete tasks on time and feeling very unstable in his ability to […]
Can You Attend School While on Long-Term Disability?
Many people come to us and ask if they can take a course or attend school while on long-term disability. Seems like a good idea, right? You don’t plan on staying on long-term disability forever, so you might as well boost your education or work towards your dream job in the interim. However, as we […]
Severance Packages and Long-Term Disability: 3 Things to Watch Out For
Are you on or thinking about applying for long-term disability benefits? Has your employer offered you a severance package? If so, read this article before you sign anything. As you’ll learn, severance packages can have significant impacts on your long-term disability claim. So, do yourself a favour and take a few minutes to read this […]
Can Long-Term Disability Insurers Reject Alternative or Holistic Treatments?
It’s easy to feel defeated when traditional medicine doesn’t seem to be working. But if you want to try holistic or alternative treatments, will your long-term disability insurance company cut you off? Keep reading to find out. It is very common for people on long-term disability to want to participate in every possible treatment to […]
Long-Term Disability and Pharmacogenomic Testing
Has your long-term disability (LTD) insurer asked you to undergo a pharmacogenomic test? Are you worried about getting cut off if you refuse to take the test? Do you have concerns about whether your insurance company can see your results? If so, you are in the right place! Over the past few years, pharmacogenomic […]
Virtual Clinics That Fill Out Disability Medical Report Forms
People on disability benefits rely heavily on their family doctors. They need them to fill out forms, develop treatment plans and communicate with disability benefit providers. However, as more doctors retire and fewer medical school graduates open family practices, many people on disability benefits are now faced with the challenge of navigating their claim without […]
RBC Long-Term Disability
The RBC Life Insurance Company (“RBC Insurance”) is part of the Royal Bank of Canada. It provides both group and individual disability insurance policies in Canada. RBC Life also took over many older disability insurance policies from Unum, Provident, and others. This article discusses everything you need to know about RBC long-term disability benefits. It […]