Long-term disability insurance, also commonly known LTD insurance, refers to a type of coverage that will pay benefits to compensate for a portion of your income in the event that you become unable to work due to a medical condition.…
You may have come across the terms “own occupation” and “any occupation” if you have been considering LTD coverage, or if you are already receiving long-term disability benefits. LTD policies generally cover part of your income when you suffer from…
All long term disability (LTD) insurance policies include language indicating how much the insured will receive in benefits if he or she becomes unable to work due to a medical condition. Normally, this amount will be a percentage of the…
LTD insurance claim denied due to misrepresentation Where the insurance provider takes the position that the policy holder misrepresented a fact, or lied, during the application process and there was a subsequent approval of LTD insurance, the insurer will deny…
All long-term disability (LTD) insurance policies indicate how much the insured will receive in the event that he or she becomes unable to work due to a medical condition. However, most policies will also include a statement regarding what kind…
The term “total disability” is generally found in most long-term disability (LTD) insurance policies. When applying for LTD benefits, this term represents the first, of potentially many hurdles, that applicants must get over before being deemed eligible. In order to…
All long-term disability (LTD) insurance policies indicate the amount of benefits that the policy holder will be entitled to upon becoming unable to work due to a medical condition. This benefit amount will generally be a percentage of the person’s…
The concept of “alternate employment” becomes relevant in the LTD insurance context once the insured makes the transition, based on his or her policy, from being unable to engage in his or her “own occupation” to whether they are unable…
Surveillance evidence generally becomes relevant when policy holders are receiving LTD benefits, or when litigation is taking place where payment for benefits is being sought. This occurs where the insurance provider is attempting to prove that the policy holder is…
Subject to the policy requirements to provide timely proof of claim and to commence the claim within the relevant limitation period, if the incident or illness occurred or arose during the currency of employment, coverage will be provided and the…
There are various reasons for which insurance providers may deny long term disability (LTD) benefits to a policy holder even though he or she has become unable to work due to a medical condition. These reasons may be found in…
Long-term disability (“LTD”) benefits provide income supplement when one is not able to work for reasons related to injury or illness. Typically, one has access LTD benefits through a group health benefits plan with their employer. If you become totally…
Where policy holders have been forced to commence litigation against the insurance company due to the denial of their LTD benefits, they may also seek damages for mental distress and punitive damages. These claims seek compensation for unfair treatment or…