Long Term Disability cases are based in contract. Damages are awarded to the disabled plaintiff based on what is available to the disabled plaintiff under the contract. Damages for the most part are limited to what’s covered under the four corners of the insurance policy. Only in rare cases will…
Long Term Disability Claims are NOT claims for pain and suffering. Long Term Disability Claims are not based in negligence. Nobody from long term disability insurer ran you over with a truck or hit you with a baseball bat resulting in your disability. You had something completely unrelated to your…
If you haven’t heard of what a COVID Long Hauler is, you should look it up. As a personal injury and long term disability lawyer, I don’t profess to be a medical expert. This is where I defer to the doctors have to say about COVID long haulers and the…
Long Term Disability cases are at their essence, contract cases. In a long term disability case, there is a contract of insurance between the Plaintiff and the Defendant. The contract is between the Defendant insurance company (Great West Life, Canada Life, Manulife, Sun Life, Empire Life, Desjardins Insurance, SSQ Insurance,…
2020 has been a really difficult year for so many people across all walks of life; for so many different reasons. Where does the hell storm of 2020 start for you? Here are a few line items in no particular order just to put 2020 in perspective: Wildfires blaze out…
More and more; people are purchasing insurance or renewing their insurance policies over the phone. This can relate to car insurance, mortgage insurance, life insurance, disability insurance, critical illness insurance, health/medical insurance. It doesn’t matter what type of insurance it is; the reality is that we are placing more emphasis…
Long Term Disability benefits flow for many disabled claimants with no issue. The insurer may from time to time request a report from a family doctor, questionnaire, or request updated clinical notes and records. The insurer may also request that the claimant see their own “doctor” or “specialist” in order…
Many of our Long Term Disability clients want to know how long term disability cases settle. By this question, what they are really asking is how do they as the client, get paid. Is it a lump sum payment? Is it a monthly benefit that the client will receive for…
Let me tell you a story. It’s about an insurance company which deals with long term disability policies. The size of the insurance company is irrelevant for this story, because most insurers are very similar in their approach. But in fairness, they are not all the same. The insurance company…
Determining how much your case is worth in a Long Term Disability Case can be a bit of a weird science. But, there is a method to what many perceive as madness. Plaintiff side personal injury lawyers would LOVE for your number to be accepted by the long term disability…