How Seasonal Affective Disorder (SAD) and COVID-19 Pandemic Could Lead to a Short Term Disability or Long Term Disability Claim
Every year, people across the country are affected by SAD. Since March 2020, Canadians have also had to cope with the additional stress of the COVID-19 pandemic. Mental health has an incredible impact on one’s ability to work and could cause an employee to make a short term disability claim or long term disability claim.
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Long Term Disability (LTD) Benefit Insurance Claim Denied?
Disability insurance is meant to provide peace of mind. Any disability – physical and/or psychological – that restricts you from performing the essential tasks of your employment may entitle you to disability benefits. There may be disagreement with the insurance company on your ability to return to work or the extent of your disability. It would be a mistake to assume that the insurer is correct.
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