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Chronic Pain

O Cannabis: What You Need to Know About Medical Marijuana in Canada

Cannabis (marijuana) has been a hot topic recently as Canada has legalized recreational use of cannabis as of October 17, 2018. The legal framework for medical cannabis was previously outlined in the Access to Cannabis for Medical Purposes Regulations under the Controlled Substances Act. This legal framework has stayed the same after the legalization of recreational cannabis, but, it is now outlined in the Cannabis Regulations under the Cannabis Act.

You may have heard of medical cannabis and are wondering if it is right for you. In this article, I will give an overview of what cannabis is, the risks and side effects of use, the legal framework for medical cannabis, who can prescribe medical cannabis, and insurance coverage.

Disability

Surveillance in Mental Health Long-Term Disability (LTD) Claims

A while back we wrote an article about the use of surveillance by insurance companies in Long-Term Disability (LTD) claims (“Surveillance and LTD Claims: Are They Watching Me and Why?”). The article provided disabled individuals with useful information to help them understand how surveillance may be used in their LTD claims and lawsuits. Since then, one of the most frequently asked questions we have had from clients and others about surveillance has been whether insurance companies use surveillance in Mental Health Long-term Disability (LTD) insurance claims.

Disability

What can I expect at the Examination for Discovery in my Long-Term Disability (LTD) Case?

Usually, when you commence a Court Action (a lawsuit) for your Long-Term Disability (LTD) benefits, you can expect that both your lawyer and the lawyer for the Defendant Insurance Company will want to conduct what are called “Examinations for Discovery”. The parties will usually want to schedule these examinations well-before they even consider negotiating a resolution of your case. You may be wondering what an Examination for Discovery is and what the process might be like for you, the Plaintiff in an LTD lawsuit.

We hope that this article provides you with some useful information and insight into the Examination Discovery process (before, during and after) and thereby, reduces some of the stress or anxiety you might have about being Examined for Discovery in your LTD lawsuit.

Disability

Steps in a Long-Term Disability (LTD) Insurance Benefits Lawsuit

You may be considering starting a lawsuit or you may have already decided to sue the insurance company for your Long-Term Disability (LTD) benefits. At this early stage, you probably have many questions about what is involved in suing the insurance company for your long-term disability benefits. We hope that you will find this article useful in addressing your questions and concerns.

Disability

Bad Faith Damages in Long-Term Disability (LTD) Cases – Do insurers have to “pay” for the harm they cause?

Clients whose long-term disability benefits have been denied, often ask whether they are entitled to damags for “pain and suffering” and express their desire to “punish” the insurance company for what it has done to them by denying their claim.  After all, many clients have had to cash in their savings, refinance their homes, some may have lost their jobs, friends and spouses, or perhaps the stress of having to deal with the insurance company and with their financial circumstances have aggravated their medical conditions or caused new health issues, such as depression and anxiety. Understandably, clients feel the insurance company should be punished and should compensate them, not only for their benefits, but also for the mental and financial distress they endured as a result of the denial of their benefits and as a result of how they were treated by the insurance company during the course of their claim and during the litigation.