Why Manulife Denies Long-Term Disability Claims And How To Fight Back
If your Manulife LTD claim has been denied, you may have a chance to appeal. Click here to learn more.
How To File A Long-Term Disability Claim Successfully
Severe injuries and illnesses can greatly restrict an individual’s earning capacity, which often necessitates a long-term disability claim to cover financial needs during recovery. A 2023 study provided by the Government of Canada states that approximately 30.8% of all adults in Canada have been exposed to a traumatic vehicle accident, which does not begin to … Read more
Supporting Recovery And Seeking Justice After A Life-Altering Injury
A life-altering injury interrupts daily life, sometimes permanently. It can change the way a person makes money and experiences independence, and how they enjoy their overall health. In just a single moment, a routine is replaced with medical assessments, and financial concerns begin to grow. Even the most basic of tasks can become difficult. For … Read more
Common Reasons Long-Term Disability Claims Are Denied
In 2026, the Government of Canada promised to make investments to support Canadians with long-term disabilities. These efforts include the Canada Disability Benefit (CBD) and Canada Pension Plan Disability (CPPD) benefits. Although the government provides varying levels of support to disabled individuals, long-term disability (LTD) claims are also crucial to certain workers. Those who make … Read more
COVID-19: Filing an LTD Claim
TSF Law understands the daunting factors that come with a pandemic, both mentally and physically. Many Canadians have had to face manifestations of stress that are affecting their longterm health. People with employee group benefits, or with a personal medical insurance plans, are filing long term disability , ltd claims, as well as short term … Read more
Duane Smith v. Sun Life Assurance Company of Canada, 2021 ONSC 7109
In this case the defendant brought a motion seeking summary judgment dismissing the plaintiff’s claim after the plaintiff failed to submit a formal application for long-term disability (“LTD”) benefits. The defendant raised the issue in their Statement of Defence and the plaintiff subsequently amended his Statement of Claim to plead relief from forfeiture. The plaintiff … Read more
Choosing the Right Personal Injury Lawyer
The truth is, most personal injury lawyers in Ontario are more than qualified to handle your injury claim. Given that your case is likely as unique as you are, finding the right fit can be hard. And with so many lawyers to choose from it can be very difficult to make the right choice for … Read more
Slips, Trips, and Falls
Tripping or falling while walking can be a traumatic experience. Furthermore, these types of incident can often cause serious injuries and leave you with serious anxiety. If you’ve been injured, getting the right help immediately after a trip or fall can be the difference in how quickly you get back to your normal life. Here … Read more
Credibility and Your Long-Term Disability Claim
How important is your credibility when you are receiving disability benefits from your short or long term provider disability benefits provider? Like most cases, credibility is extremely important in short-term disability and long-term disability claims. While your injuries are significant, and your doctors agree that you are unable to work, any unintentional or intentional misstatement … Read more
5 Steps to take when denied short/long term disability benefits
If you are fortunate enough to have access to a policy that provides you with income during a period in which you become unable to work congratulations. However, what happens when the provider of that policy (Sunlife, Great West Life, Desjardins, Industrial Alliance, Manulife, SSQ, RBC) decides that your disability is not severe enough to … Read more
