Posts tagged long term disability
LTD: “Own” and “Any” Occupation

The terminology used by an insurer to define “disability” is the most important part of any long-term disability insurance policy. The definition determines when an insured person isn’t liable for disability benefits, and what criteria they must meet in order to receive compensation. When benefits are denied, it’s our role as lawyers with expertise in disability claims to find out the details of our clients’ insurance policy and take legal action against the disability insurer. 

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Disability Insurance

In Industrial Alliance Insurance and Financial Services Inc., v. Brine, 2015 NSCA 104, Mr. Brine was covered under a long term disability policy with Industrial Alliance (“Industrial”). The Policy required Industrial to be the last payor for his disability benefits. But Mr. Brine recovered some benefit amounts from other sources too. Industrial, as a result, stopped paying him until the overpayments were reimbursed to Industrial.

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