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 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 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, 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, 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, 2024July 15, 2024
When you hire a lawyer to help you pursue your long term disability (“LTD”) benefits, you often hear the phrase “you only pay […]
Alison Gilmour July 15, 2024July 9, 2024
Long term disability benefits (“LTD”) policies are intended to replace your income when you are unable to work due to symptoms from an […]
Alison Gilmour July 9, 2024May 17, 2024
Long Term Disability Insurance and Pre-existing Conditions A pre-existing medical condition is one which you experienced prior to becoming covered by insurance. If […]
Alison Gilmour May 17, 2024April 8, 2024
If you are receiving long term disability benefits (“LTD”), your insurer may ask you to apply for Canada Pension Plan Disability Benefits (“CPP-D”). […]
Alison Gilmour April 8, 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 […]
Alison Gilmour April 3, 2024