Always apply for CPP disability benefits.
If you have been receiving long-term disability (“LTD”) benefits for over a year your insurance company will likely require you to apply for Canada Pension Plan (“CPP”) disability benefits. This seems like a no-brainer at first, until you realize that if you win CPP disability your insurance company basically gets to keep all the money. You will have to give the insurance company the retroactive payment you get from the CPP, your overall monthly income may go down slightly. and, you might get an unexpected tax bill for the retroactive payment, even though you paid...
read moreThe best clients in the world.
I have the best clients in the world. This is largely due to the fact that most people are sincere, hard-working and honest. Most people do not want to be “on disability”, and would give anything to return to the productive workforce. I take some credit for the quality of my clients as well. I recognize that there are only so many hours in the day, and if I want to give each client’s file the attention it deserves I must limit the number of files I take on. So when I interview a potential new client I ask myself: can I see myself devoting my best efforts to this...
read more“Internal Appeals” are WORSE than a waste of time.
If an insurance company denies or terminates a claim for long-term disability benefits, the insured should not get side-tracked with the internal “appeal” process. If the goal is to have the insurer reverse their decision, or to reach a settlement with the insured, the fastest way to do this is by litigation. Let me tell you why. Let’s begin with a bit of background about internal appeals and litigation. If one disagrees with the insurance company’s decision about a claim (that is, to deny the application for long-term disability benefits, or to stop payment of benefits), then...
read moreManulife applied to have me disqualified from suing them, and lost.
On November 30, 2015, the BC Supreme Court dismissed arguments by the Manufacturer’s Life Insurance Company, attempting to have me disqualified from acting as plaintiff ‘s counsel in a breach of contract claim against them.
read moreWhat is a Functional Capacity Evaluation?
Functional capacity evaluations, functional assessments and functional abilities evaluations are all different names for the same thing: a series of tests and observations used to estimate your ability to function at work. For simplicity I will just refer to them collectively as functional capacity evaluations. Functional capacity evaluations (FCE’s) usually take place over one or two days and are administered by a health professional (usually an occupational therapist, physiotherapist or kinesologist). The testing usually will take the entire day (for a one-day FCE) or a day and half (for a...
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