Forum Resolute Legal's Disability Claim Forum

Hi everyone would like to ask a question in this group. I have been on CPPD and Long Term Disability thru Manulife 2 years ltd and 1 year CPPD, I am considered Permanent Status now, I received a phone call yesterday and she asked a few questions if im on treatment which I am daiIy and if if i have any other sort of income all handled well. I am now considered annual phone calls only and a health form update in October 2027. Is this what some of you have experienced as well ? health form updates, annual phone calls ? Is this the Protocol for those in the Permanent Category ?

Hi everyone would like to ask a question in this group. I have been on CPPD and Long Term Disability thru Manulife 2 years ltd and 1 year CPPD, I am considered Permanent Status now, I received a phone call yesterday and she asked a few questions if im on treatment which I am daiIy and if if i have any other sort of income all handled well. I am now considered annual phone calls only and a health form update in October 2027. Is this what some of you have experienced as well ? health form updates, annual phone calls ? Is this the Protocol for those in the Permanent Category ? 1 post - 1 participant Read full topic

Is there any benefit to obtaining WSIB over LTD? I’m currently on LTD and was going to appeal my WSIB but if approved and after I pay back LTD I calculated that I would still owe the lawyer a significant amount. He said he wouldn’t put me in the hole with his fee and I’d get that in writing but even if I broke even is there something of benefit that I’m missing?

Is there any benefit to obtaining WSIB over LTD? I’m currently on LTD and was going to appeal my WSIB but if approved and after I pay back LTD I calculated that I would still owe the lawyer a significant amount. He said he wouldn’t put me in the hole with his fee and I’d get that in writing but even if I broke even is there something of benefit that I’m missing? 1 post - 1 participant Read full topic

Which insurance company? Did your lawyer say why it’s only offered for physical disabilities?

Has anyone completed rehab through CPP or know what it consists of? I see it states retraining. What do they consider retraining. Would a 4 year program be considered and do is there funding from them for the program. Has anyone been successful in keeping their LTD while doing retraining?

Has anyone completed rehab through CPP or know what it consists of? I see it states retraining. What do they consider retraining. Would a 4 year program be considered and do is there funding from them for the program. Has anyone been successful in keeping their LTD while doing retraining? 1 post - 1 participant Read full topic

Same thing here, he retired and just basically didn’t even send ANY reports to my GP and went completely MIA and I couldn’t ever get those reports, and now years have gone by. My GP does everything, which is only a form every couple of years, the wait list for another psych is like 4 years or something so it’s always been “if i need one, go to the hospital assessment centre”. You will sometimes get a form to fill or sometimes get a quick 5 min phone call from manulife.

I’m sorry to hear what you’re going through. I have been told I am pretty, erm, matter of fact, so I will apologize in advance if I’m sounding more clinical than I want to be! I would recommend the following steps Financially - figure out if you can afford a lawsuit. If you can go out of pocket, or to leverage a HELOC or whatever, this may be the preferred option. If the case doesn’t go to trial, I would park around $30-$50K aside. If you cannot fund out of pocket, 99% of disability lawyers will take you on on a contingency fee. They prefer this, because 25-33% of the total payout is $$$$$$ to them. But - if you have a weak case, most lawyers will tell you that and not take you on (they do want to get paid after all). You can negotiate on the contingency fee!!! Don’t just accept whatever they give you Find a lawyer that you like, and get along with. Look them up on CanLii to see if they have trial experience (most do not as most cases settle prior to trial). Figure out your gross value. For example, if your payment is $3000 a month and you have 25 years to go to age 65, that’s very different than $300/month with 2 years remaining. It’ll give you a sense of if you want to go contingency or not Find a lawyer that you connect with. This will take oodles of time. Don’t default to large law firms. I found a few lawyers that I got along with Let them figure out what to sue for. Suing for punitive damages, aggravated damages, etc is quite normal. Baker vs Blue Cross was a fun case t