If you’re looking for a long-term disability Newfoundland (NL) guide, then you’re in the right place. In this article, I’ll review how long-term disability (LTD) works in Newfoundland, compare the different programs and benefits you can get, and provide you with a step-by-step process on how to apply. Once you’ve read this article, you should […]
Long-term Disability
This is our section on long-term disability benefits.
Manulife Long-Term Disability: The Online Guide for 2025
This article discusses everything you need to know about Manulife’s long-term disability benefits. This guide covers the rules and information about applying for Manulife disability insurance, what happens after two years of being on Manulife long-term disability benefits, and how to appeal a denial. If you need to win disability benefits from Manulife Insurance — it’s […]
Long-Term Disability BC: The Ultimate Guide for 2025
If you’re looking for an overview of long-term disability in BC, then you’re in the right place. In this article, I’ll review how long-term disability works in BC. I’ll also compare the different programs and benefits. Finally, I’ll cover how to apply for long-term disability in BC. Once you’ve read this article, you should know […]
Change of Definition LTD Disability Explained
Navigating long-term disability (LTD) benefits can be challenging, and one of the biggest hurdles is the change of definition (COD) transition—a critical shift that can put your benefits at risk. In this change of definition LTD guide, I break down what this change means, why insurers use it to cut people off, and how you can […]
Sun Life Long-Term Disability: Online Guide for 2025
In this article, we discuss everything you need to know about Sun Life long-term disability benefits. That includes a discussion of rules, as well as information about applying for benefits and appealing a denial. We also discuss Sun Life long-term disability complaints, important court cases, and more. Let’s get started! Need help with your Sun […]
What Is an Independent Medical Examination | How to Beat IME
If you have an open long-term disability claim with an insurance company, there will likely come a time when they ask you to attend an independent medical examination (IME). An IME is an assessment conducted by a doctor chosen by the insurance company to provide an impartial opinion about your medical condition and ability to […]
What to Expect at a Long Term Disability Lawsuit in Canada
If your long term disability (LTD) benefits have been denied by the insurance company you have two options, you can appeal it internally to the insurance company or file an external appeal, also known as a long term disability lawsuit. Both options have advantages and disadvantages. However, most lawyers recommend opting for a lawsuit since […]
Navigating Long Term Disability Mediations: A Comprehensive Guide
Navigating long term disability mediations can be complex, involving numerous elements and strategies. Here’s a comprehensive look at what to expect and how to prepare for these mediations. What is a long term disability mediation? Mediation is essentially a settlement meeting where parties in a dispute work to resolve their differences without going to court. […]
When Can I Refuse Medical Recommendations from My Insurance Company?
Facing a situation where your insurance company recommends a treatment you disagree with can be daunting. The insurer might even threaten to cut off your benefits if you don’t comply. Do they have the right to do this? When can you refuse and still retain your benefits? Let’s explore the rules and factors at play […]
Disability Insurance: Own Occupation vs Any Occupation + [video]
If you’ve been on long-term disability insurance benefits for some time now, you may be familiar with the terms ‘own occupation’ and ‘any occupation.’ But what do they really mean? Most group disability insurance policies have a two-pronged definition of total disability. Initially, to be considered disabled, you need to be unable to perform the […]