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Disability/Personal Injury November 25th, 2025

Own Occupation Disability: What It Means in Canada (Complete Guide)

By Sivan Tumarkin

Own occupation disability explained. Learn about the 2-year rule, why insurers deny claims, & how our disability lawyers protect LTD benefits.

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Disability/Personal Injury November 25th, 2025

Active Employment and Long-Term Disability: What It Means for Your LTD Claim in Canada

By Sivan Tumarkin

Learn how “active employment” affects your LTD coverage in Canada. Understand policy definitions, denial tactics, & your rights when denied.

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Person completing paperwork related to a waiver of premium for a disability claim.
Disability/Personal Injury November 25th, 2025

Waiver of Premium: Meaning, Disability Rules & How It Works in Canada

By Sivan Tumarkin

Learn the waiver of premium meaning, how the benefit works, and what to do if your insurer denies your waiver of premium…

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Person completing paperwork related to a transferable skills analysis for a disability claim.
Disability/Personal Injury November 25th, 2025

Transferable Skills Analysis in Disability Claims: What Canadians Need to Know

By Sivan Tumarkin

A transferable skills analysis can threaten your LTD benefits. See how insurers use TSAs, why they’re often wrong, and how to respond.

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A person signs a long-term disability policy which likely contains an all source maximum clause.
Disability/Personal Injury November 23rd, 2025

Long-Term Disability for Mental Health in Canada

By Sivan Tumarkin

Learn how to get long-term disability for mental health in Canada. Find out what qualifies and how to handle LTD denial.

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A person signs a long-term disability policy which likely contains an all source maximum clause.
Disability/Personal Injury November 22nd, 2025

Is Mental Health a Disability in Canada?

By Sivan Tumarkin

Is mental health a disability in Canada? Yes. Anxiety, depression, ADHD and more can qualify for disability benefits.

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A person signs a long-term disability policy which likely contains an all source maximum clause.
Disability/Personal Injury November 21st, 2025

Change of Definition LTD: What Happens at the Two-Year Review in Canada?

By Sivan Tumarkin

Learn what the LTD change of definition means at 24 months, why insurers deny benefits, and what Canadians can do if their…

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A person signs a long-term disability policy which likely contains an all source maximum clause.
Disability/Personal Injury November 20th, 2025

All Source Maximum: What It Means for Disability Benefits in Canada

By Lior Samfiru

What is the all source maximum? Learn how insurers use it to reduce disability benefits, how it’s calculated, & what to do…

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Person using a laptop to fill out an online application form, representing the process of applying for EI sickness benefits in Canada.
Employment Law November 20th, 2025

EI Sickness Benefits in Canada (2025 Guide)

By Lior Samfiru

Learn how EI sickness benefits work in Canada. Eligibility, forms, medical certificate, 26-week extension, and switching to regular EI.

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