Most employees in Alberta receive Long Term Disability Insurance (and often Short Term Disability Insurance) coverage as a result of their employment. The cost for this benefit is sometimes payed wholly by your employer but sometimes you also contribute to this cost.  The purpose of this benefit is to replace your salary in the event that you are too sick to work.


Unfortunately, sometimes when you get sick and don’t need further problems in your life, the Insurer who readily took your insurance premiums when you were healthy, denies you coverage (or benefits) when you need this money the most, thereby further aggravating your situation.

We have been enforcing insurance benefit rights of sick employees for years.  Just because the insurance company says it will not pay you disability rights does not mean that they will not be forced to pay you.

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