Author: Van Dyke Law
An insurer can challenge your long-term disability (LTD) claim, from claiming you haven’t provided sufficient medical documentation to refusing your claim outright. And if the company’s adjuster on your file is rude and unhelpful, it can just make the process that much more frustrating and overwhelming. If you believe your insurer is acting unfairly, it […]
If you’ve been unable to work due to a disabling medical condition and are receiving long-term disability (LTD) benefits, you should be aware of signs that they may be coming to an end. These benefits can be so important if you’re struggling with a disability as well as the challenge to meet financial needs, so […]
Insurance companies have a duty of good faith to their policyholders in all claims, but acting in bad faith is a serious breach of their duty to handle insurance claims. Policyholders are expected to disclose relevant health information and file claims and assess their losses accurately. But at the same time, insurers must act with […]
If you are receiving workers compensation benefits in Ontario, one of the most important things you need to communicate to WSIB is any “material change” in your circumstances. What does that mean? A “material change in circumstances” is any change that affects your entitlement to WSIB benefits or services. These changes generally fall into one […]
When you begin a worker’s compensation claim in Ontario, the person you will likely have the most contact with is your WSIB case manager. The case manager (CM) is your main point of contact at WSIB and makes most decisions about your claim. While there are other staff, specialists and consultants employed by the WSIB, […]
Welcome back to our series on understanding workers’ compensation claims in Ontario. Today, we’re looking at occupational diseases. (You can find a list of the previously-covered topics in this series at the end of this post.) Sadly, thousands of Ontario workers have and continue to be affected by serious and often fatal occupational diseases: their […]
Welcome back to our series on understanding workers’ compensation claims in Ontario. Today, we’re looking at psychological conditions. (You can find a list of the previously-covered topics in this series at the end of this post.) What Psychological Conditions Can I Make a WSIB Claim For ? One general category of claims is psychological conditions […]
In our last post, we kicked off a series on understanding workers compensation (WSIB) claims in Ontario by talking about the main types of conditions that workers or their surviving loved ones can make claims for: accidents, disablements, psychological conditions, occupational disease, noise-induced hearing loss, and survivor’s benefits. Today we’re going to do a deep-dive […]
No one goes to work expecting that they will get hurt, but every year, thousands of Ontarians are injured or made sick by their job. Last year, more than 225,000 claims were registered, and WSIB paid out more than two billion dollars in benefits, which include health-care costs, lost wages, compensation for permanent injuries, and […]
In our previous post, we started looking at the “any occupation” test in long-term disability insurance and what it actually means. Contrary to how it sounds, being disabled from working in “any occupation” doesn’t mean you’re incapable of doing any job. As we discussed, “any occupation” means any occupation that you’re reasonably suited to by […]