Reviews
January 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, 2026Receive Insight and Advice from
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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, 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 […]
Alison Gilmour October 29, 2024September 12, 2024
Proving Chronic Fatigue as a Disability Chronic fatigue is a legitimate cause for disability in Canada. The problem is how do you prove […]
Alison Gilmour September 12, 2024August 30, 2024
A key consideration in reviewing a disability insurance policy is the definition of disability. The most common definitions of disability are referred to […]
Alison Gilmour August 30, 2024