Chronic Pain, Fibromyalgia and LTD benefits.

“Learn from yesterday, live for today, hope for tomorrow.” – Albert Einstein 1879-1955   Chronic pain, fibromyalgia and chronic fatigue cases present unique challenges for an insurance denial lawyer whose task it is to prove disability when claiming entitlement to long-term disability benefits. The primary symptoms associated with these conditions are pain and fatigue. These symptoms are largely subjective experiences and, as such, the management of cases involving plaintiffs who suffer from these conditions pose difficulty for disability lawyers accustomed to relying upon medical...

read more

Medical Conditions and the Disability Tax Credit.

The Disability Tax Credit (DTC) is different from other disability benefits plans. Unlike disability insurance plans that focus on how your medical condition affects your ability to work, the DTC focuses on impairment with your daily activities. Eligibility There are several medical conditions that qualify for the DTC. However, You automatically qualify for the DTC if your medical condition causes blindness or you need life-sustaining therapy. You also automatically qualify if you have Type 1 diabetes. You may be eligible for the DTC if you are: blind markedly restricted in at least one...

read more

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 more

Canadian veterans could FINALLY receive millions in unpaid LTD benefits.

Global News reported on November 17, 2023, that about 330,000 veterans receiving disability payments from the federal government might soon receive their share of a multi-million-dollar settlement after lawyers identified accounting errors in the Veterans Affairs Canada (VAC) payment process. On Nov. 8, 2023, a final settlement agreement was signed on behalf of the veterans and their estates with VAC for a “miscalculation of benefits”, which dated back about 20 years.Dennis Manuge, a Canadian Armed Forces veteran living in Ostrea Lake, N.S., said he felt “a sense of relief” when he heard the...

read more

Chronic 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 more

Mental 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...

read more