Reviews
April 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 [ā¦]
Alison Gilmour April 3, 2026Receive Insight and Advice from
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Alison Gilmour April 3, 2026March 8, 2026
When you are living with a disabling mental health condition, the last thing you need is your long-term disability (LTD) insurer threatening to [ā¦]
Alison Gilmour March 8, 2026March 4, 2026
Grief is a universal human experience, but its impact is deeply individual. For some, grief is a painful yet manageable process. For others, [ā¦]
Alison Gilmour March 4, 2026February 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 [ā¦]
Alison Gilmour February 5, 2026January 29, 2026
Depression is a leading cause for disability leave and income replacement claims. Approvals turn on functional capacity and programāspecific definitionsānot diagnostic labels alone. [ā¦]
Alison Gilmour January 29, 2026January 21, 2026
Losing your job is one of the most stressful times of your life. When a health condition develops around the same timeāor worsens [ā¦]
Alison Gilmour January 21, 2026January 19, 2026
Professionals invest years into building their careers. Whether youāre a lawyer, accountant, engineer, healthcare provider, consultant, or business owner, your professional success is [ā¦]
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 [ā¦]
Alison Gilmour January 10, 2026October 29, 2024
This post explores the key differences between short term and long term disability benefits. Short term disability benefits usually cover the first weeks [ā¦]
Alison Gilmour October 29, 2024August 19, 2024
Disability insurance is intended to provide income replacement protection in the case of an unexpected illness or accident. While many employers offer [ā¦]
Alison Gilmour August 19, 2024July 15, 2024
When you hire a lawyer to help you pursue your long term disability (āLTDā) benefits, you often hear the phrase āyou only pay [ā¦]
Alison Gilmour July 15, 2024April 3, 2024
Every long term disability (“LTD’) policy has a definition of disability. If your definition changes after a period of time, the insurer will [ā¦]
Alison Gilmour April 3, 2024