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Medical Marijuana Costs and Your Injury Claim

Past and future medical expenses in personal injury awards must be deemed ‘reasonably necessary’ to treat the injury. This means proving that there is a reasonable probability that the treatment will be necessary in the future to treat the injury. This also means establishing that past medical expenses were necessary to treat the injury. A plaintiff seeking to have the costs of their marijuana included in a settlement or award is required to demonstrate that …

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Nova Scotia Public Service LTD: Final Appeal

Once the second appeal decision has been made, Manulife will provide a written decision to the claimant. If the decision reverses their prior decision to deny benefits – excellent, you will get your benefits! If not, you must then continue to the final appeal stage. The final appeal is with the Appeal Board run by the Nova Scotia Public Service Plan itself, rather than Manulife. You can consider the Appeal Board to be the last …

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Nova Scotia Public Service LTD: Second Appeal

Losing an appeal is never fun. In the case of the Nova Scotia Public Service Plan, your second appeal to Manulife is especially critical. Why? Because if you need to go to the Final Appeal stage to get disability benefits, you can only rely on evidence submitted in the appeals. This means that no new evidence can be brought to the Final Appeal stage if you don’t win this second appeal. Take full advantage of the …

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Nova Scotia Public Service LTD: First Appeal

The First Appeal under the Nova Scotia Public Service Long Term Disability Benefits Plan is assessed by the Claims Administrator, Manulife. If you are reading this, it is likely that you have received a letter from Manulife rejecting your claim or denying further benefits. The first appeal is generally needed for two reasons: The process is the name whether your benefits are cut off for either of the above reasons or some other reason. The …

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Nova Scotia Public Service LTD: Manulife Denial

Getting denied much needed long-term disability benefits is never good. Rather than getting hung up on the decision which you may think is wrong and unfair, channel your energy into working on the next step up the appeal process. In the case of a claim under the Nova Scotia Public Service Long Term Disability Benefits Plan, you will be making an appeal to the Plan office. The letter from Manulife will advise of your appeal rights. The letter states …

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Nova Scotia Public Service LTD: Disability Payment

How much is your disability payment under the LTD plan? For claims arising from December 31, 2015, and on, the maximum bi-weekly disability payment for an employee covered by the Agreement is 70% of the employee’s normal salary. No more than $2,000 will be paid bi-weekly. Contributions under the Plan usually made by the employee are waived while that employee is receiving disability payment from the Plan. An adjustment for living costs may be considered …

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Nova Scotia Public Service LTD: Manulife

Manulife is the Claims Administrator chosen by the Nova Scotia Public Service LTD Plan Trustees to administer the policy. It is Manulife that will receive your application for Long Term Disability Benefits, assess your claim, advise whether or not your claim has been approved. Many companies turn to large insurance companies to provide the administration of their policies. The Administrative Services Only work for Long Term Disability Plans is a competitive market in Canada. Many …

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Nova Scotia Public Service LTD: Your Rights

Plan benefits are owed to employees who meet the test for disability. The test for disability under the Nova Scotia Public Service Long Term Disability Plan changes based on the passage of time since the onset of the disability. There are two main time periods to bear in mind: own occupation and any occupation. Benefits are owed only for those who meet the test for disability, and only after the Elimination Period has been satisfied. The …

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Nova Scotia Public Service LTD: Coverage

The official document governing the agreement between the Nova Scotia Government and the Nova Scotia Government and General Employees Union (NSGEU) lays out the terms and conditions applicable to participating employers and plan members covered under the LTD Plan. Coverage is a term of employment. The following is the list of employers (as of the time of writing) that are covered by the Nova Scotia Public Disability Plan. The intent of the Plan is to cover Civil …

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NSAHO: Benefit Payment Offset Amount

As you saw in our previous post regarding benefits calculation, the disability benefit formula is 70% of your pre-disability monthly pay. There is, however, a long list of income sources which the Disability Benefits Plan is able to offset against your monthly payment. An offset has the effect of reducing your monthly payment by the full amount of the other source of income. No reductions can be made for disability payment made under the Employment Insurance …