Disability/Personal Injury
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…
Transferable Skills Analysis in Disability Claims: What Canadians Need to Know
A transferable skills analysis can threaten your LTD benefits. See how insurers use TSAs, why they’re often wrong, and how to respond.
Long-Term Disability for Mental Health in Canada
Learn how to get long-term disability for mental health in Canada. Find out what qualifies and how to handle LTD denial.
Is Mental Health a Disability in Canada?
Is mental health a disability in Canada? Yes. Anxiety, depression, ADHD and more can qualify for disability benefits.
Change of Definition LTD: What Happens at the Two-Year Review in Canada?
Learn what the LTD change of definition means at 24 months, why insurers deny benefits, and what Canadians can do if their…