All long-term disability insurance policies indicate how much the insured will receive in the event that he or she becomes unable to work due to a medical condition. However, most policies will also include a statement regarding what kind of income can be used to adjust your LTD benefits. LTD policies vary regarding the types […]
LTD Benefits Cut-Off: do I have to find “alternate employment”?
The concept of “alternate employment” becomes relevant in the LTD insurance context once the insured makes the transition, based on his or her policy, from being unable to engage in his or her “own occupation” to whether they are unable to perform the duties of “any occupation”. You can read more about the meaning of […]
LTD Benefits – what does “total disability” mean?
The term “total disability” is generally found in most Long-Term Disability (LTD) insurance policies. When applying for LTD benefits, this term represents the first, of potentially many hurdles, that applicants must get over before being deemed eligible. In order to receive benefits, the insured must meet the threshold of “total disability”. In the context of […]
Laid Off During COVID: what are my rights?
As the COVID-19 pandemic continues to affect the job market, causing many to be laid off from their jobs or have their hours substantially reduced at work, many people are left wondering whether they have any rights in this situation. Generally speaking, there are two sources providing rights to non-unionized employees when they are laid […]
Mental Health during COVID, and LTD Benefits
Long-Term Disability Insurance, also commonly known LTD Insurance, refers to a type of coverage that will pay benefits to compensate for a portion of your income in the event that you become unable to work due to a medical condition. You may have access to this type of coverage under a group plan through your […]
Were you on a probation period at work during COVID?
What are my entitlements if I get terminated? Many employers include a probationary period in the employment contracts they offer to prospective employees. Generally, the probationary period is 3 months, but there is no limit to the maximum length a probationary period may be. The purpose of a probationary period is to give the […]