In this section, we will go over the ‘any occupation’ test for long term disability benefits, what it means, and why it is required before benefits are paid out. We will explain when this test is required and what the courts look at before considering whether a person meets the ‘any occupation’ test.
After surviving an accident or injury, the condition can make it impossible for you to work. If this is the case, you may be entitled to disability benefits.
A survey conducted by Statistics Canada in 2012 revealed that only 49% of people who suffer from a disability were employed.
You may be suffering from a condition that is potentially disabling. You take the steps to prepare a claim hoping to be paid disability benefits. Your health, finances, and future are dependent on the success of this claim.
Medical evidence can make or break your disability claim. In fact, a common reason why disability claims are denied is when applicants fail to submit adequate medical evidence that clearly explains and supports their claim of disability.
After paying premiums faithfully for years, you’ve suffered a disabling condition, filed a claim and it has been denied.