Canadian media has exploded with a story that broke a couple of weeks ago about a well-known Canadian writer and professor whose disability insurance claim for depression was denied after he took a leave of absence. According to the Toronto Star, the author’s physician informed him that the disability insurer had denied the claim after […]

People have health insurance to cover their medical expenses when they are injured or ill. However, what happens when a person becomes disabled and cannot earn an income for a significant period of time? It won’t take long for a person to burn through their paid sick leave and vacation time. Health insurance covers medical […]

People can suffer a traumatic brain injury (TBI) for a variety of reasons, including car crashes, sporting accidents, falls from heights and more. In fact, TBIs are a leading cause of long-term disability in our country. In fact, in 2013, over 2.5 million people in the U.S. sought emergency room care or were hospitalized for […]

Those who suffer from a mental illness often suffer in silence. Not only is there a stigma attached to having a mental illness, but it is usually no physical monikers that allow others to see that a person has a disabling mental illness. However, a significant number of disabilities fall into the category of mental […]

Many times, when a person starts a new job or even if they’ve been in the same position for a while, they are fortunate to be offered a variety of job benefits by their employer. It can sometimes be confusing to determine which benefits are worthwhile, and which a person can make do without. Some […]

Whether it is a planned life event, a sudden illness or an injury, an employee may need to take a leave from work. Employees considering taking a leave should understand the commonly confused short term disability (STD) and Family Medical Leave Act (FMLA) benefits. Short term disability STD is not an employee leave; rather it […]