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Insurance Company in Toronto


bL_February_2016.inddHere’s the scenario:

You’ve been working diligently for the same employer, at the same job for years. You’ve given it your all. Countless hours of pain staking work. The job pays well. You have some great colleagues at work. And you have a benefits plan that you believe is fantastic. Part of that so called benefits package is disability insurance; which; in theory; you’ve been told will cover your wages if for whatever reason you can’t return to work on account of injury, illness or disability. You know little about the disability plan because you’ve never had to use it before and you’ve never missed out on work for a prolonged period of time. Your past work attendance has been excellent. Your performance reviews are always top notch.

And then; things happen to change. Some really bad luck. A fall here that never quite heals. You throw out your back on account of a minor slip and fall. Or perhaps chronic pain starts to take over your body such that you can no longer focus, get out of bed or function like you used to. Or maybe you just aren’t the same person any more on account of psychological illness like anxiety, depression, sadness or a combination thereof. Perhaps you’ve been diagnosed with chronic pain or fibromyalgia. Whatever the reason, disability happens. Unfortunately, it’s a part of life for many. And when disability happens, you would hope that your long term disability insurer and employer are both there to support you when you need the help the most. After all, you’re the all star employee who has given it his/her all over the past 10+ years at work.

Making the LTD claim is the first and most difficult step of the process. The paper work is NOT simple, nor is it quick/short. For some, simply getting the LTD claim forms from the employer or the insurer is difficult. They both know that you want the forms to go on disability. And for both employer and LTD insurer alike, this isn’t good news. We see employers and insurers who are sometimes slow or reluctant to get people the forms they need to make an LTD claim.

There are forms which you, as the LTD claimant need to complete. There are forms your employer needs to complete. There are forms your doctor needs to complete. There are follow ups to the forms. Getting third parties to complete insurance forms can be like pulling teeth. Some doctors charge for the completion of forms. If you aren’t working, then getting the money to pay the doctor to complete the forms can be a challenge. The Long Term Disability claim package is NOT complete and fully submitted until all of the forms are complete. There are some cases in Ontario, where the forms get magically lost; thereby delaying and potentially defeating a claimant’s LTD case before it even has a chance to get off the ground. Our LTD lawyers see many such cases with claimants who suffer from psychological injury (depression, anxiety, suicidal ideation) and with our fibromyalgia clients.



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How much does car insurance cost for a 17 year old? | Yahoo Answers

I'm currently 17 with and just got my license a couple of weeks ago, i was wondering how much does the insurance cost annually for a 17 year old like me? Thanks for your help!

a 15 year old insurance group A car under 1000cc is going to cost over £5000 for a 17 year old male. So a 25 year old TVR? Who knows but if you have to ask the cost you can't afford it.




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