Archive for the ‘Long Term Disability’ Category

Why It’s Important for Personal Injury Lawyers to Monitor Client Social Media

By Roger Foisy on November 11th, 2021

Social media evidence is now commonly used in personal injury cases, with defendants and insurance companies increasing their monitoring of plaintiff accounts. As a lawyer, you need to know what your clients post to their profiles because what may seem like a harmless post can have dire...

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Long-Term Care Benefits Denied by Insurance Company

By Roger Foisy on September 3rd, 2021

Jason purchased long-term care insurance 20 years ago to alleviate his children from the burden of long-term care costs and ensure he was taken care of in his senior years if the need arose. Jason paid his insurance premiums religiously, but when he became ill and required ongoing assistance,...

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Has Your Long Term Disability Been Terminated [Video]?

By Roger Foisy on June 14th, 2021

You have seen little if any improvement in your physical and mental health, but your long term disability has been terminated. You have not received the go-ahead from your doctor to return to work, and you continue to take the same or more medication. So, how can the insurance company doctor who...

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Has Your Long Term Disability Claim Been Denied [Video]?

By Roger Foisy on May 25th, 2021

Your long term disability claim has been denied, and your insurer has offered you to appeal its decision. At this point, you need to pause and think for a moment…what are the chances that the same insurance company that denied your claim will overturn its own decision? I’ve been a long term...

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Long Term Disability and Psychological Distress [Video]

By Roger Foisy on February 9th, 2021

Admitting that you might be suffering from mental health issues can be difficult, but facing your problem can help your disability claim. People who are suffering from mental health issues tend to blame their workplace and employer for psychological distress. Focusing on your employer can undermine...

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Long Term Disability and Chronic Pain

By Roger Foisy on December 10th, 2020

We tend to recognize pain as only physical, but pain has biological, psychological, and emotional factors and if left untreated or misdiagnosed, there is a possibility it becomes chronic. Diagnosing chronic pain can be difficult as most of the time symptoms cannot be seen, even though the pain is...

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Here’s What You Should Do If You Receive Your Two-Year LTD Termination Letter

By Roger Foisy on October 2nd, 2020

You’ve been receiving long term disability (LTD) benefits and have just received a letter from your insurance company stating that your benefits will be terminated at the two-year mark. The insurance company has sent you this letter because how total disability is defined in your policy changes...

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Can You Claim LTD Because of COVID-19?

By Roger Foisy on May 26th, 2020

The COVID-19 pandemic has changed our way of life and the direct and indirect psychological, social, and economic effects of COVID-19 could affect mental and physical health now and into the future. Studies have shown that large-scale disasters, whether traumatic, natural, or environmental are...

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How to Avoid Being Denied Disability Benefits: Completing the Physician Statement [Video]

By Roger Foisy on March 29th, 2018

As an Ontario Long Term Disability lawyer, I am regularly asked how people can avoid being denied LTD benefits when they are applying. From a legal action perspective, I can only accept long term disability clients after their application has been denied or their benefits have been wrongfully...

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How to Avoid Being Denied Disability Benefits: Completing the Sponsor (Employer) Statement [Video]

By Roger Foisy on February 28th, 2018

As an Ontario Long Term Disability lawyer, I am regularly asked how people can avoid being denied LTD benefits when they are applying. From a legal action perspective, I can only accept long term disability clients after their application has been denied or their benefits have been wrongfully...

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