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…
If you have been denied long term disability benefits, you are likely wondering what your next steps are. The purpose of this week’s installment of the Toronto Injury Lawyer Blog is to give you some tips on what those next steps are towards getting the long term disability benefits which…
We must admit, long term disability cases can be very strange. Liability and calculating damages is not straight forward like in a dog bite or car accident case. The reason for that is long term disability cases are contractual in nature. That means that they are based upon, and defined…