Bad-Faith LTD Denials: Lessons From Ontario's Largest Punitive-Damages Award
When an LTD insurer ignores the medical evidence, courts can award punitive damages. What Baker v. Blue Cross teaches Ontario claimants about insurer bad faith.
Read Full Article →LTD Claim Denied in Ontario: Your Complete Legal Options
A denied LTD claim is not the end. Understand appeals, limitation deadlines, and the civil lawsuit process to recover denied benefits and interest.
Own Occupation vs. Any Occupation: The LTD Definition That Changes Everything at 24 Months
The 24-month LTD definition change terminates thousands of valid claims annually. Understand both standards, how courts review them, and how to prepare.
Mental Health and LTD in Ontario: Policy Caps, Insurer Bias, and the 24-Month Limitation
Mental health conditions are legitimate disabilities — but the 24-month cap, insurer bias, and demand for 'objective evidence' create unique obstacles. Here's how to overcome them.
Insurer Surveillance in LTD and Personal Injury Cases: What's Allowed and What Isn't
Video surveillance and social media monitoring are standard insurer tactics. Know what's legal, what your disclosure rights are, and how to live consistently with your claim.
CPP Disability and LTD in Ontario: How Federal Benefits Affect Your Monthly Claim
Your insurer can deduct CPPD from your LTD benefit — but they often make errors. Know the rules, common mistakes, and how CPPD approval helps your case.
LTD Terminations Based on Vocational Assessments: How to Challenge 'Return to Work' Demands
Insurer vocational assessments identify theoretical jobs to terminate your LTD. Courts scrutinize these reports carefully — and frequently reject them.
Pre-Existing Conditions and LTD Claims: How Insurers Use Your Medical History Against You
A prior diagnosis doesn't automatically exclude your LTD claim. Exclusion clauses are interpreted narrowly, and the aggravation principle protects many claimants.
Suing Your LTD Insurer vs. Filing a Grievance: Which Path Is Right for Your Claim?
Union members with denied LTD benefits face a critical choice between grievance arbitration and civil court. The right answer depends on your collective agreement and the nature of the denial.