Surveillance evidence generally becomes relevant when policy holders are receiving LTD benefits, or when litigation is taking place where payment for benefits is being sought. This occurs where the insurance provider is attempting to prove that the policy holder is not credible, or that the disability giving rise to benefits has been exaggerated or is […]
Are my Long-Term Disability Benefits Taxable?
Are my Long-Term Disability Benefits Taxable? All LTD insurance policies indicate the amount of benefits that the policy holder will be entitled to upon becoming unable to work due to a medical condition. This amount will generally be a percentage of the person’s income prior to becoming unable to work. However, the benefit amount outlined […]
What happens if my employer reneges on a verbal agreement?
The best practice is to always lay out the terms of your agreement in writing. This is true for employment contracts as well. Generally, this will allow the employer and the employee to have a clear understanding of their rights and obligations under the employment relationship. However, many businesses and individuals operate on a more […]
How do I know if my termination package is good?
When employees are terminated without notice, they are typically provided with a termination letter outlining what the employer is offering in terms of a monetary payout. It can be incredibly stressful to experience a termination and have to make decisions regarding accepting or denying an offer. To further add stress, employers often state that the […]
Pre-existing conditions and other exclusions; how do they affect your LTD Policy?
Many Long-Term Disability insurance policies include provisions indicating that, under certain circumstances, you will not receive LTD benefits even if you have been found to be unable to work due to a medical condition. These are commonly known as exclusion clauses. Insurers will often rely on these provisions in an attempt to avoid liability under […]
Frustration of Contract: How are employment contracts affected during COVID-19?
An employment contract is frustrated when, through no fault of either party, it becomes impossible to fulfill the contract. For example, where a firefighter suffers an injury outside of the workplace, that renders him or her unable to ever again perform the physical activities demanded of the job, the contract can be considered frustrated. According […]