Disability/Personal Injury
Non-Evidence Maximum: What It Means for Your Disability Insurance Coverage
Learn what a Non-Evidence Maximum is, how it limits your disability insurance, and what to do if your LTD is reduced because…
Maximum Benefit Period: What It Means for Disability Insurance in Canada
Learn what a maximum benefit period is for short- and long-term disability. Find out how long benefits last, common timelines & your…
Statute of Limitations in Ontario: How Long Do You Have to Sue Someone?
Learn the statute of limitations in Ontario, plus the 2-year limitation period, civil lawsuit deadlines, & how long you have to sue…
Gainful Employment in Canada: What It Means for Disability Benefits
Learn what gainful employment means in Canada, how insurers use it in disability claims, & what to do if your LTD benefits…
Functional Capacity Evaluation (FCE) in Canada: What It Means for Your Disability Claim
Learn what a functional capacity evaluation is and how to protect your disability benefits if an insurer uses an FCE to question…
Evidence of Insurability (EOI) in Canada: Meaning, Forms & Why Insurers Ask for It
Evidence of insurability explained in simple terms. Learn what an EOI form is, why insurers request it & what to do if…
Own Occupation Disability: What It Means in Canada (Complete Guide)
Own occupation disability explained. Learn about the 2-year rule, why insurers deny claims, & how our disability lawyers protect LTD benefits.
Active Employment and Long-Term Disability: What It Means for Your LTD Claim in Canada
Learn how “active employment” affects your LTD coverage in Canada. Understand policy definitions, denial tactics, & your rights when denied.
Waiver of Premium: Meaning, Disability Rules & How It Works in Canada
Learn the waiver of premium meaning, how the benefit works, and what to do if your insurer denies your waiver of premium…