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Making an LTD Claim for Chronic Pain.
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...
read moreCovid-19 testing and disability 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...
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...
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