Why Do Insurance Companies Terminate LTD Benefits?
There are many reasons an insurer may decide that LTD benefits should end. The insurance company may believe that your medical condition has improved. It may rely on updated medical records, an insurer medical examination, a transferable-skills or vocational assessment, surveillance, or information about your activities. The insurer may also conclude that there is insufficient […]
The 24-Month Change of Definition
One of the most important periods in many LTD claims occurs approximately two years after disability benefits begin. Many LTD disability policies contain two different definitions of disability. During the initial period—often the first 24 months—a claimant may qualify for benefits if their medical condition prevents them from performing the essential duties of their “own occupation.” […]
Can My Long-Term Disability Benefits Be Cut Off After They’ve Been Approved in Ontario?
Receiving approval for long-term disability (LTD) benefits can provide enormous relief when an illness or injury prevents you from working. Unfortunately, approval of an LTD claim does not necessarily mean that benefits will continue indefinitely. In Ontario, insurance companies regularly review LTD claims and may decide to terminate benefits even after paying them for months […]
How Long Do Long-Term Disability Benefits Last in Canada?
Many people assume that long-term disability benefits continue indefinitely if they remain ill or injured.
Surveillance and Social Media: How Insurance Companies Investigate Disability Claims
Many people receiving long-term disability benefits are surprised to learn that insurance
companies often investigate insureds.
My Long-Term Disability Claim Was Denied in Ontario — What Should I Do Next?
Being told that your long-term disability (LTD) claim has been denied can be devastating. Many people rely on disability benefits to pay for housing, food, and medical treatment. When an insurer denies a claim, it can create enormous stress and uncertainty.