Category: Disability Insurance

If you become sick or injured severely enough that you can’t work, one of your most pressing concerns will likely be how you can keep earning income to pay your bills or support your loved ones. But with many different government benefits and insurance benefits available though your private or group insurance, you may be […]

The fight for CPP Disability benefits can be a long and tough one for many sick and injured Ontarians. Over our last few posts we’ve talked about the various levels of appeal you can pursue if Service Canada rejects your application, from reconsideration request, to SST–General Division, to the SST–Appeal Division. In today’s post we’re […]

We’ve talked about the process for appealing denied CPP Disability benefits on the blog before – from asking Service Canada to reconsider their decision, to appealing to the SST–General Division. Today we’re going to talk about what you can do if your SST–General Division appeal is denied. How you can access the Appeal Division depends […]

If you’ve been denied CPP Disability benefits and have appealed that decision all the way to the Social Services Tribunal–General Division level, you may have your case heard in a hearing. As we discussed in our last post, the Tribunal Member assigned to your case may make their decision in a number of different ways, […]

You’ve applied for CPP Disability, but Service Canada rejects your application. You then apply to  Service Canada with a request for reconsideration, but that gets rejected too. What options are you left with? Your next step is to appeal to the Social Security Tribunal–General Division. Here’s an overview of the process. Filing the Notice of […]

A significant disability affects every part of your life–including your ability to support yourself. That’s why it’s vital that you get all the benefits you are entitled to. We’ve talked about the various types of disability benefits available to Ontarians before, and in today’s post we’re going to go in-depth on the CPP Post-Retirement Disability […]

Over the last few weeks we’ve been talking about the common reasons that applications for LTD benefits are denied or cut off.  If this has happened to you, you likely feel frustrated, exhausted and scared about the future. You’re not alone. Like CPP Disability, a huge number of applications for LTD are rejected, but that […]

Earlier in this series we talked about how missed deadlines, excluded conditions, insufficient medical evidence and not meeting the definition of “total disability” can result in a denied LTD claim. Today, we’re sharing two more common reasons that insurers reject LTD applications. Surveillance Insurance companies will go to great lengths to verify that you are […]

Today we’re continuing our series on common reasons for LTD insurance denials (see our previous post for more reasons). Lack of medical evidence The medical evidence you provide in your application has to accomplish two things: support the existence and severity of your impairments, AND explain how those impairments prevent your ability to work If […]

In our last post, we went over the basics of LTD insurance: what it is, how long it lasts, and what you can do if your application is denied or your benefits have run out. With today’s post, we’re kicking off a series on some of the most common reasons that insurance companies deny or […]