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April 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, 2026Receive Insight and Advice from
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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 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, 2026March 27, 2026
Returning to work after a long term disability (LTD) claim can feel overwhelming. You want to try to return to work and earn […]
Alison Gilmour March 27, 2026March 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, 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, 2026