Reviews
September 20, 2026
If you rely on Desjardins for long‑term disability (LTD) benefits, a denial or interruption can be overwhelming. You are already dealing with serious […]
Alison Gilmour September 20, 2026Receive Insight and Advice from
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Alison Gilmour September 20, 2026September 12, 2026
You relied on Canada Life as your disability carrier to support you by paying your disability claim – a denial can feel devastating. […]
Alison Gilmour September 12, 2026September 1, 2026
Manulife Long Term Disability Claims in Ontario Manulife long term disability insurance policies typically replace 60 to 70 percent of your pre-disability income […]
Alison Gilmour September 1, 2026August 29, 2026
A Sun Life long-term disability denial is not the end of your claim. If your Sun Life long term disability claim was denied, […]
Alison Gilmour August 29, 2026July 7, 2026
When you have been receiving long term disability benefits for a period, your insurance company may ask you to keep track of your […]
Alison Gilmour July 7, 2026June 8, 2026
In today’s digital world, social media is woven into everyday life. From sharing vacation photos to posting quick status updates, platforms like Facebook, […]
Alison Gilmour June 8, 2026May 6, 2026
Insurance companies follow a structured and medical evidence-driven process when assessing disability claims. Their goal is to determine whether a claimant meets the […]
Alison Gilmour May 6, 2026April 28, 2026
In part 1 of this article, we explain the long term disability appeal process. When writing an appeal letter, it’s helpful to have […]
Alison Gilmour April 28, 2026April 28, 2026
Many long term disability claims are denied after submitting the initial claim. A well structured appeal letter which provides supporting documentation can overturn […]
Alison Gilmour April 28, 2026April 6, 2026
Self‑employed Canadians face a unique vulnerability when illness or injury interrupts their ability to work. Without employer benefits or paid sick leave, self-employed […]
Alison Gilmour April 6, 2026April 3, 2026
Winning a long term disability (LTD) appeal is possible, but success requires strategy, strong evidence, and a clear understanding of how insurers make […]
Alison Gilmour April 3, 2026March 31, 2026
What Is Accidental Death and Dismemberment (AD&D) Insurance? Accidental Death and Dismemberment (AD&D) insurance, also known as death and dismemberment insurance, is marketed as […]
Alison Gilmour March 31, 2026