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Business Interruption Insurance During COVID-19
Recouping business losses during COVID-19 pandemic Since the outset of the Covid-19 pandemic and the resulting closures of non-essential services across Canada, many businesses have sought to access their business interruption insurance to recoup some of their losses. Most business interruption policies require the insured to prove direct physical loss or damage to their premises in order to access their insurance coverage. Unfortunately, that is difficult to show given that the pandemic is widespread and most closures were ordered by public...
read moreWhen returning to work is a risky proposition.
As workplaces slowly begin to reopen over the next several weeks and months, many of us might feel anxious about returning to work and the possibility of being exposed to COVID-19. However, if you are someone who has a medical condition that puts you at an increased risk for serious complications from COVID-19, you might decide that returning to work right now is not worth the risk. If you do decide not to return to work, you might be wondering whether you can apply for disability insurance benefits (such as short-term or long-term disability...
read moreTop 5 Reasons Insurers Deny Long Term Disability Claims
#1 – Insufficient Medical Documentation The Insurance company will state that the medical documents you provided do not support your claim that you are disabled from working. This is a catch-all tactic. They often do not explain why your documents are insufficient. If your doctors or treatment providers support your disability, you should generally qualify for your LTD policy. #2 – You Are Not “Totally Disabled” This is a conveniently misleading term that was crafted by insurance companies. The term “totally disabled”...
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