Do I have to pay premiums while on LTD?

While you are approved for long-term disability benefits your premiums for LTD and Basic Life insurance are most likely waived. Be sure to check the wording of your specific policy. Premiums for other insurance policies are not typically waived while a worker’s claim for disability is approved. Common premiums that are not waived include: life insurance, accident death and disability insurance, and critical illness insurance. This means that you have to continue paying for each …

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When should I apply for LTD Benefits?

The best time to apply for Long Term Disability benefits is before you need to rely on them. This means that it is best to make the application while you are receiving benefits from some other source. The two main sources of pre-LTD benefits are: a. Sick Pay Some employers will offer to pay sick days as an employment benefit. Some employees are able to bank paid sick days and carry them from year to …

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NSAHO: LTD Plan Coverage

Your LTD coverage provided a benefit equal to 70% of your pre-disability monthly earnings (max of $20,000) if, after the first 150 calendar days of disability, you are unable to work due to illness or injury. In order to be entitled to the benefit, you must prove that you are unable to do the duties of your own occupation. Any LTD benefit you may receive while disabled will be taxable. The benefit is taxable because …

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Health Association of Nova Scotia Path Program

In November 2017, the EASE Program underwent a rebrand to Path Program. Path stands for Personalized Assistance to Health. The path program, much like the EASE Program before it is an initiative of the Health Association Nova Scotia Trustees. The intent of the Path change was to more accurately represent the services the program provides. In the words of the program director, “the new name more accurately reflects the purpose and essence of the program. …

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Health Association of Nova Scotia: EASE Program

The Health Association of Nova Scotia is a Third-Party Administrator, a liason between the employee, employer, and service provider. It is not an insurance company, but a ‘self-insured’ long-term disability benefits plan governed by a legal trust fund and directed by a Board of Trustees. The Early Assistance and Support for Employees (EASE) program run by the NSAHO Long Term Disability Plan. The purpose of the program is to get you back to work.It is a voluntary and …

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Pedestrian Accidents: Who has to prove the injury case?

Generally, in a civil action the burden of proving negligence falls on the party advancing the claim. This party is often the plaintiff, the one suing the defendant in negligence, or the defendant if they are claiming contributory negligence (the extent to which the plaintiff was injured due to their own negligent conduct). All claims of negligence must be proven on a balance of probabilities. This means proving that there is more than a 50% …

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Can the Insurance Company Use My Social Media Content?

It is important to remember that anything on your Twitter, Facebook, and Linkedin that is already publically accessible can also be viewed by an insurance company. Although being able to view your social media profile is not synonymous with being able to use it as evidence against you in a legal action. However, if there are photos or posts on your social media accounts, which appear to contradict a claim you have made about your …

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6 Reasons for Mental Health Disability Claim Denials

The insurance company says that you can do your job. They, however, don’t work in your environment every day. Some people go back to work and try their best to complete the daily demands of their work. This return to work effort may fail. If you can’t do your job and go off again the insurance company will reconsider your right to disability benefits. They are now assessing you as someone who originally went off work and then gave their job a second chance …

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Canada Pension Plan and Your Disability Benefits Plan

Are you considering applying for Canada Pension Plan Disability Benefits? Perhaps the insurance company has asked you to apply for benefits – even if they are going to get the money if you win the benefits. Learn your rights and obligations while being an active claimant of disability benefits in this post. After an injury, it may be possible to apply for and receive disability benefits under the Canada Pension Plan, if you have made …

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How to Negotiate A Personal Injury Claim

If you have been injured by someone else who was negligent or careless, you have a legal right to seek compensation for your losses. Once you have made contact with the Defendant, you will want to discuss the potential of settlement long before you consider preparing for a trial. In many cases, you should be thinking about settlement even before you file a legal claim. Negotiation is an essential component to any personal injury claim. …