Top Questions and Answers

Ask your question and a Long-term Disability Lawyer in Canada will answer in minutes

I just applied for LTD due to Breast cancer but was found to be BRCA1 positive 7 months after my policy started. They are reviewing my claim for pre existing conditions. Will my BRCa1 status be used to deny my claim even though I only found out 7 months after being eligible for benefits at work?

I have worked for my employer for 18 years and have paid into LTD group benefits since I started. I have never taken LTD in the past but am currently on LTD since April 2024 through Canada life due to going through a relapsing remitting multiple sclerosis diagnosis. My employer has contacted me and let me know that if I return they will give me a severance package as they have shut down operations in Ontario. Canada life made me apply for cpp-d and I was approved. Canada life is now saying they think I should try to go back to work. I told them my job is no longer available but they are telling me I have to try and even consider getting a new job. I feel it’s too risky to go back as they will terminate me and I will lose my benefits. My medication alone cost $1650 a month. I have extreme debilitating fatigue, pain, vision issues, bladder issues, cognitive challenges and occasional mobility issues but because my MRI is currently stable they feel I should work. I also do two full days a month at a hospital 2 hours from my home for IVIG infusions for at least the next year. I am so worried as I know I could be deemed uninsurable by other benefits companies and I can currently handle maybe two hours of anything a day. I struggle with simple housework. With RRMS anything could cause me to go into a relapse so I’m not sure what to do and would appreciate any help you could provide.

Can an employer refuse to pay LTD benefits even after the Independent Medical Exam they requested supported the initial exam of an employee's own family doctor?

Do I qualify for a company buyout I have been receiving LTD since June 2022 and recently was accepted for ccpd however they are continuing to support my ltd until.age 65 I m a little uncertain how why this is or can they buy me out full lump sum

I am on disability and had applied for the tax credit which I was denied? Is this something I need to apply for multiple times in order to get approved? I don’t understand why the tax credit would not just be automatic!

Have questions about your long-term disability claims?

Join us for a free live Q&A session on your disability rights and ask your questions with a disability lawyer LIVE.

Upcoming Sessions: