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Articles Posted in Long Term Disability Claim (LTD)

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Better understanding Fibromyalgia & getting the support you need (Ontario)

There are two schools of thought when it comes to fibromyalgia. Some doctors believe it exists, and it’s a very real illness/disabling condition. Other doctors don’t believe it exists, and that it’s all in your head. Insurance companies and their lawyers, tend to side with the latter. Personal injury lawyers…

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LTD Insurer claws back benefits on fibromyalgia case

Sometimes, the Toronto Injury Lawyer Blog examines recent cases that we think our readership will enjoy. We do our best not to make the legal analysis too technical, because that just turns in to a snooze fest. We want to keep things light, upbeat and easy/enjoyable to read. The law…

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How much is my Long Term Disability Claim worth? (LTD Claims Ontario)

One of the most commonly asked questions of clients at my law firm is “how much is my case worth?” This is never an easy question to answer.  When assessing the value of a claim, particularly an LTD claim, there are a variety of factors which need to be examined…

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Understanding the term “Disability” under your Long Term Disability Policy (LTD Ontario)

A Long Term Disability policy of insurance (LTD Policy), is a policy designed to cover the insured for a monthly benefit in the event that person becomes disabled. These policies are often offered by employers, to employees as a part of their benefits package. It’s a common perk of employment.…

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Long Term Disability Claims: How LTD policies can work against you

Our law firm litigates countless Long Term Disability (LTD) claims against large, multi-national insurers such as Great West Life, Sun Life, Manulife, Industrial Alliance, Desjardins, SSQ, Canada Life, Empire Life, RBC Insurance, Co-Operators, Equitable Life and the list goes on. Litigating these claims can prove to be difficult for a…

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Long Term Disability Claim Denied? Nothing left to do but sue, sue, sue!

In Ontario, injured parties who are seeking for compensation generally have 2 years from the date of the accident, or the date of denial to sue. With the exception of minors and sexual assault claims, this is the general rule of thumb which it should not be taken lightly. This…

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The Taxability of Lump Sum Long Term Disability Settlements (CRA Changes January 1, 2015)

Our law firm had a record number of Long Term Disability Claims settle in the last quarter of 2014. In particular, the last month of 2014 was a mediation bonanza for our lawyers when it came resolving long term disability (LTD) disputes. One of the things which we caution our…

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Long Term Disability Claims: The insurance company’s greatest defence are the offsets

I was recently mediating a Long Term Disability Claim on behalf of a disabled client who worked for Canada Post. She was diagnosed with a wide variety of ailments, including but not limited to: – Disc Bulges at various levels requiring surgery – Chronic Pain stemming from her back radiating…

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Punitive Damages and Damages for Mental Distress in the Context of a Long Term Disability Case

Clients always want to know what sort of damages they can claim in the long term disability case. As previously discussed in the Toronto Injury Lawyer Blog, damages in a long term disabilty case can be limiting. Unlike a car accident case, there is usually no wrong doer, or tort…

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How to place a dollar figure on your Long Term Disability Claim: The Mediation Process Explained

Our law firm sees some very seriously injured accident victims and disability claimants. Many of our long term disability clients who have cases against large multi national insurers such as Manulife, SunLife, Great West Life, Standard Life, Desjardins, Industrial Alliance, SSQ, Equitable Life etc; want to know how an insurer…

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