Long-term Disability

Jan 17, 2019

Crystal Meth, Multiple Sclerosis and Denied Benefits.

4 Minute read from Hamilton’s Long-Term Disability Lawyers This was a good case* decided out of British Columbia not too long ago concerning a young woman with MS that: 1) tried to get back to work and;2) was doing drugs to deal with her symptoms. Unfortunately Empire Life denied her monthly disability benefits because of […]


Dec 29, 2018

How do Insurance Companies Calculate Lump Sum Long-Term Disability Settlements?

3 Minute Read from Hamilton’s Disability Lawyers Can your long-term disability insurer pay you out a lump-sum instead of paying your monthly pre-determined long-term disability benefits?  The answer is yes, but it is not an easy solution to attain, and certainly not a solution that you can achieve on your own without the guidance of […]


Dec 22, 2018

3 Minute Read from Hamilton Disability Lawyers Generally speaking, claim liability, whether through an employment group policy or an individual long term disability policy, mandates that a claimant must suffer a “total disability” in order to be entitled to long-term disability benefits. Total disability in the context of disability insurance does not mean that an […]


Dec 10, 2018

What are some common health conditions that lead to long-term disability?

3 Minute Read from Hamilton Disability Lawyers There is an array of physical and mental health conditions that can unfortunately lead to claimants being no longer in a position to continue working at their jobs and applying for disability benefits. Prior to reviewing the most common medical conditions leading to total disability, we answer some […]


Oct 1, 2018

My long-term disability benefits been denied, what do I do?

What should you know if you disability benefits have been cut off? 1. Having your long-term disability benefits cut-off or denied can be financially disastrous. Being denied disability in Ontario can be financially disastrous for families that reply on long term disability income to pay the bills. What happens when you are suddenly cut-off monthly […]


Sep 13, 2018

Common Mistakes When Applying for Long Term Disability Benefits

What are some Common Mistakes When Applying for Long-Term Disability Benefits? When applying for a disability claim from an insurance provider, it’s not uncommon to have it initially denied for varying reasons.  Have a read below to learn about common mistakes that claimants sometimes make when applying for disability benefits. Some common mistakes include: Filing […]


Aug 1, 2018

Long Term Disability – Common Disabling Conditions

Long Term Disability Common Disabling Conditions 4 Minute Read from Hamilton Long-Term Disability Lawyers serving Ontario When your life has been impacted by a serious illness, injury or accident, you expect to rely on your long-term disability benefits to help assist with replacing your income when you cannot work. Policies are typically purchased privately or through […]


Jun 4, 2018

Depression, Anxiety & Denied Long Term Disability Claims

Depression, Anxiety & Denied Long Term Disability Claims 3 Minute Read by Denied Long-Term Disability Lawyers Hamilton Serving Ontario If you are suffering from depression or anxiety and worried that you might be denied long term disability, you’re not alone. Mental health disorders are among the top denied long term disability claims.  We understand the […]


May 24, 2018

Mental Illness and Applying for Long-Term Disability Benefits

Mental Illness and Applying for Long-Term Disability Benefits If you are suffering from a serious mental illness, such as major depressive disorder (either single or recurrent), schizoaffective disorder (bipolar or depressive), schizophrenia, HIV, severe obsessive-compulsive disorder, severe anorexia or bulimia nervosa, or any other severe psychological or psychiatric disorder, you may be entitled to long […]


May 20, 2018

How long do long-term disability benefits last?

How long do long-term disability benefits last? 2 Minute read by Hamilton Denied Long-Term Disability Lawyers serving claimants across Ontario 9 Quick Points Normally after an event or illness, such as a motorcycle accident, car accident, the onset of depression, the onset of an eating disorder or a psychiatric problem such as schizophrenia – you […]


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