Category: Disability Insurance
In our last post, we began talking about what it means to remain “compliant” with your LTD insurance policy while receiving disability benefits. This is an important topic to understand because non-compliance is a common reason that insurers cut off recipients’ benefits. Discover the first two circumstances that may result in non-compliance here, and read […]
“Non-compliant.” If you’re receiving long-term disability benefits, that’s a phrase you do not want to hear. Insurers often cite non-compliance with the terms of the LTD policy as a reason to cut off your benefits. So what can you do to prevent being faced with an accusation of non-compliance? Let’s have a look at some […]
If you have long-term disability coverage through your employee benefits, then you may be wondering about what your privacy rights are when it comes to your health and medical condition. When you are off of work on LTD, you do not need to keep in touch with your employer or keep them up to date […]
After more than a year and a half of pandemic restrictions, the prospect of being able to travel safely is a welcome one for many in Ontario. Taking a vacation for rest and relaxation or travelling to visit loved ones is something that many have been dreaming of for months. People who are receiving LTD […]
When you’re on LTD, you will deal with a variety of people who work in different positions at (or are hired by) the insurance company. We’ve talked about the importance of documenting all your communications with the insurer, but it can be overwhelming keeping track of all the various people and positions who you may […]
For most people who are receiving LTD benefits, there comes a time when they’ll be asked to start thinking about returning to work. This can be a tough thing to even contemplate when your life has been dominated by disability. Even if you miss working and want to get back to normal, your health may […]
If your application for LTD benefits has been denied, or your benefits have been discontinued, it can be incredibly stressful. Worrying about how you’ll meet your day-to-day financial obligations is hard enough. Not knowing how you’ll meet your family’s future needs will be met is another level of stress. When you’re faced with a denial, […]
If you’ve ever taken a close look at your LTD policy, you may have seen references to “recurrent disability.” What does that mean? Let’s review some background information first. When you apply for LTD benefits, there will be a waiting period between the time when you became disabled and unable to work, to the time […]
Why have my benefits been clawed back? This is a common question from LTD benefit recipients in Ontario. Your LTD policy will almost certainly require you to disclose other income you earn while receiving disability benefits, because they are allowed to deduct those amounts from their payments to you. The insurer wants to pay as […]
One question that people who are receiving disability benefits often ask is “can I volunteer while I’m on LTD?” At any stage of life, the benefits of volunteering can be great. Volunteering can improve both mental and physical health, reduce stress, and lessen depression. And across Ontario, countless organizations accomplish vitally important work thanks to […]