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March 19, 2026
Addiction affects millions of Canadians, and the illness can impact every aspect of life, including one’s social, mental, and physical well-being. Addiction can […]
Alison Gilmour March 19, 2026Receive Insight and Advice from
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Alison Gilmour March 19, 2026March 15, 2026
A long‑term care insurance denial can feel overwhelming. You purchased coverage to protect yourself and your family, years before you ever needed it. […]
Alison Gilmour March 15, 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, […]
Alison Gilmour March 4, 2026February 27, 2026
Obsessive–Compulsive Disorder (OCD) is often misunderstood, minimized, or portrayed inaccurately in popular culture. In reality, OCD is a serious mental health condition, considered […]
Alison Gilmour February 27, 2026February 25, 2026
When you’re too sick or injured to work, applying for disability benefits should be straightforward. However, for many people, the process feels overwhelming—especially […]
Alison Gilmour February 25, 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 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, 2024