Manulife Long-Term Disability: The Essential Guide
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 long-term disability benefits, what happens after two years of being on Manulife long-term disability benefits as well as how to appeal a denial. If you need to win long-term disability benefits from Manulife it is crucial to learn as much about them as you can. We wrote this guide to help you put your best foot forward when dealing with a Manulife long-term disability claim. About Manulife Manulife Insurance is one of...
read moreChronic pain and LTD benefits.
Have you been suffering from recurring pain for a lengthy amount of time? Are you experiencing pain from an injury that should have healed months, perhaps even years ago? Is that pain disrupting your life emotionally and physically? Are you finding it difficult to effectively perform your job as a result of this recurring pain? If you have been unable to work due to your chronic pain symptoms and you have long-term disability (LTD) coverage, you likely qualify for LTD benefits. What is Chronic Pain? Statistics show that approximately 6 million Canadians suffer from chronic pain, and...
read moreInsurer punished for improperly withholding payment.
On May 3, 2022, the BC Supreme Court ordered that a homeowner’s insurer pay PUNITIVE DAMAGES for withholding payment of the undisputed parts of a fire loss claim. In Green Estate v. Sonnet Insurance Co., 2022 BCSC 709, an executor brought an application against the estate’s insurance company for breach of statutory condition 12 and breach of the implied duty of good faith in failing to indemnify the estate for losses arising out of a house fire. Statutory condition 12 requires the insurer to pay or reject a claim 60 days after proof of loss. The insurer initially agreed to pay the...
read moreCovid-19 testing and LTD benefits.
The lack of Covid-19 testing should have no impact on whether a long-term disability (LTD) claim is successful. With the shortage of PCR tests and the rapid spread of the Omicron variant, many are concerned that their inability to confirm Covid-19 through a positive PCR test will prevent them from getting approved for LTD benefits if they remain disabled from work. Diagnosis not a prerequisite to getting benefits A diagnosis of COVID-19, or any diagnosis, is not a prerequisite to getting LTD benefits. Look at the language of any standard LTD policy and you will find nothing...
read moreMental illness and LTD benefits: a Sun Life Report
Sun Life recently released some internal statistics regarding mental health and long term disability claims. The report confirms what many in the industry have suspected for some time: LTD claims for depression, anxiety, and other mental illnesses are on the rise. In fact, 30% of all long term disability claims are mental health related, which is more than the next two most common causes of disability combined, with cancer at 15% and accidents at 12%. About the report. Sun Life insures more than six million Canadians. It has vast amounts of health, employment, and other data related to...
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