Posts in disability
How Far Will Insurance Companies Sometimes Go Not to Pay You?

Facebook, Instagram and other social media forums are great for keeping up on news, staying in touch with old friends and keeping in contact and sharing pictures with loved ones. However, friends and family may not be the only ones who are looking through your pictures and reading your updates. Many insurance companies use these social media sites to find pictures or information that may be contradictory to an injury claim that is being made. Insurance companies will go to great lengths not to pay out these claims.

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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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Expert Opinions in Injury Claims

When someone is pursuing a civil claim for car accident injuries, long term disability benefits, or any injury at the fault of another an independent medical exam (IME) is a critical part of the claims process. The medical evidence provided by an IME can be the determinant in an injury claim, but most injury victims are unaware of what an IME is, and don’t know their rights regarding an IME. 

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Canadian Pension Plan Disability Reform

There have been a whole laundry list of problems that have come to light around the Canadian Pension Plan Disability (CPPD) benefits program. This program is designed to take care of the most vulnerable Canadians. The purpose of the CPPD program, the country’s largest public disability insurance program, is to replace a portion of the earnings of contributors who cannot work due to a severe and prolonged disability.

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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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