Reviews
February 5, 2026
Vocational assessments play a significant role in long term disability (LTD) claims, particularly as insurers evaluate whether a claimant can return to work […]
Alison Gilmour February 5, 2026Receive Insight and Advice from
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Alison Gilmour February 5, 2026January 29, 2026
Inconsistent medical records are one of the most common issues that arise in long term disability (LTD) and CPP Disability (CPP-D) claims. If […]
Alison Gilmour January 29, 2026January 29, 2026
Depression is a leading cause for disability leave and income replacement claims. Approvals turn on functional capacity and program‑specific definitions—not diagnostic labels alone. […]
Alison Gilmour January 29, 2026January 25, 2026
If your long term disability (LTD) insurer has written to say you owe them money, you are understandably anxious. These letters are often […]
Alison Gilmour January 25, 2026January 21, 2026
Losing your job is one of the most stressful times of your life. When a health condition develops around the same time—or worsens […]
Alison Gilmour January 21, 2026January 19, 2026
Professionals invest years into building their careers. Whether you’re a lawyer, accountant, engineer, healthcare provider, consultant, or business owner, your professional success is […]
Alison Gilmour January 19, 2026January 10, 2026
Long Term Disability (LTD) insurance is a critical safety net for Canadians who find themselves unable to work due to illness, injury, or […]
Alison Gilmour January 10, 2026January 7, 2026
If you are receiving long term disability benefits and have been approved for Canada Pension Plan Disability benefits (CPP disability or CPP-D), it […]
Alison Gilmour January 7, 2026January 4, 2026
If you’re on long term disability (LTD) for depression or anxiety, you may be worried about what your insurer can require of you. […]
Alison Gilmour January 4, 2026January 2, 2026
For many people in Ontario, disability benefits are their only income during a period of illness or following an injury. However, while the […]
Alison Gilmour January 2, 2026December 30, 2025
Corporate employers started requiring their employee to return to in-person work midway through 2022. As more employers required their employees to return to […]
Alison Gilmour December 30, 2025December 22, 2025
When you’re on long term disability (LTD) in Canada, you can feel like your life is on hold. You’re focused on recovery, managing […]
Alison Gilmour December 22, 2025