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Should I retain a long-term disability lawyer?
If you’ve been injured or become ill and can’t work, and your long-term disability (LTD) insurance company denies you benefits, it’s in your best interests to get a lawyer. Unlike a disability claim with the Canadian government (CPP disability), long-term disability insurance companies are not impartial. Long-term disability insurers have a vested interest in the outcome of LTD claims, because the more disability claims they approve and pay out, the less financially healthy their bottom line is. And the fewer long-term...
read moreDo I have an ICBC claim?
Many people wonder: “Do I have an ICBC claim?” In many cases, these people actually do have an ICBC claim. What is surprising is how often ICBC tells people that they do not have a claim when they actually do (or at least that is what the potential claimant hears). Unfortunately, too many people take ICBC at their word or do not understand what is being communicated. Sometimes, it’s not that ICBC has actually said that you do not have a claim it’s that they have told you they will not pay you anything for your claim, or do not believe you...
read moreWhat is disability insurance?
Disability insurance is a form of health insurance. It is income paid to you by your insurance company when you can’t work due to sickness or accidental injury. Disability insurance income replaces either a portion of your regular income or is a set dollar amount. Benefit periods and amounts may depend on whether the disability was caused by an accident or illness and whether the disability is “short term” or “long term.” Disability insurance should provide peace of mind in the event that you are disabled and require...
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