Archive for the ‘Long Term Disability’ Category

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

By Roger Foisy on February 5th, 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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10 Ways Employers Help Prevent Employees from Developing Psychological Long Term Disabilities [Infographic]

By Roger Foisy on April 11th, 2017

A good workplace can help reduce the anxiety and stress that often leads to a psychological long term disability claim. Although every mental illness is unique to the specific individual and circumstances, I have some general tips for employers to take proactive steps in making the workplace a...

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Educational Long-term Disability Resources

By Roger Foisy on March 15th, 2017

At the Roger R. Foisy injury law firm, we strongly believe in educating people as much as possible about the process of injury and long-term disability (LTD) law in Ontario, as well as helping them understand what to do and what to expect after an injury or disability. In pursuit of this goal,...

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10 Things Employers Can Do to Accommodate Employees with Physical Long Term Disabilities [Infographic]

By Roger Foisy on January 24th, 2017

Ontario employers have a legal duty to accommodate employees with long term disabilities who are returning to work. Although accommodations must be made based on the specific individual and their particular disability and circumstances, I have some general tips for employers seeking to properly...

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Preparing for an Insurance Company Independent Medical Examination [Video]

By Roger Foisy on May 27th, 2016

Personal injury clients are often asked to undergo an Independent Medical Examination (IME). These evaluations are common practice when you are engaged in a personal injury or long-term disability...

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Why You May Want to Consider Getting an Individual Disability Insurance Policy (Even If You’re on a Group Policy through Your Employer)

By Roger Foisy on March 28th, 2016

While it is good to have LTD insurance through a group policy with your employer, there are many scenarios in which it may be beneficial for you to also purchase an individual insurance policy for yourself....

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