Mulqueen Disability Law

Mulqueen Disability Law Proving hard-to-prove LTD claims for "invisible disabilities."

Termination does not always end a person's right to long-term disability benefits.A recent Ontario court decision highli...
06/08/2026

Termination does not always end a person's right to long-term disability benefits.

A recent Ontario court decision highlights an important principle: if disability arose while coverage was still in force, an LTD claim may still be available.

Our latest article examines the legal issues, the role of medical evidence, and what employees should know if they were terminated while experiencing significant health challenges.

Read more at: https://mulqueendisabilitylaw.com/ltd-blog/long-term-disability-benefits-after-termination/

This Pride Month, we recognize and celebrate the strength, resilience, and diversity of 2SLGBTQ+ communities.At Mulqueen...
06/01/2026

This Pride Month, we recognize and celebrate the strength, resilience, and diversity of 2SLGBTQ+ communities.

At Mulqueen Disability Law, we believe every person deserves to be treated with dignity, respect, and compassion — especially when navigating health challenges, disability claims, and difficult life transitions.

We know that many individuals in the 2SLGBTQ+ community continue to face barriers in healthcare, workplaces, and insurance systems. Creating spaces where people feel seen, heard, and supported matters.

Pride is about visibility, inclusion, and the right to live authentically.

This month and every month, we stand with the 2SLGBTQ+ community.

🏳️‍🌈

AI is changing how long-term disability claims are reviewed — and many claimants don’t even realize it.Insurance compani...
05/25/2026

AI is changing how long-term disability claims are reviewed — and many claimants don’t even realize it.

Insurance companies are increasingly using AI to identify patterns, flag inconsistencies, and assess claims behind the scenes.

So what can you do to protect yourself?

In Part 3 of our AI and disability claims series, we explain:
✔️ Why consistency across your claim matters
✔️ How “good days” can be misunderstood
✔️ Why medical records may not tell the full story
✔️ How small details can trigger increased scrutiny
✔️ What practical steps you can take to strengthen your claim

Your claim is not just paperwork.
It’s your lived experience — and it deserves to be properly understood.

Read the full article at: https://mulqueendisabilitylaw.com/ltd-blog/protect-long-term-disability-claim-ai-system/

Insurance companies are increasingly using AI in long-term disability claims — but most people don’t realize how much it...
05/18/2026

Insurance companies are increasingly using AI in long-term disability claims — but most people don’t realize how much it may influence the process.

AI can help insurers process claims faster by organizing records and identifying patterns. But it can also flag “inconsistencies,” increase scrutiny, and miss the human reality behind chronic pain, mental health conditions, fatigue, and fluctuating symptoms.

Your claim is more than data points.

As AI becomes more integrated into the claims process, understanding how your file may be assessed is more important than ever.

Read the full article now: https://mulqueendisabilitylaw.com/ltd-blog/ai-long-term-disability-claims-insurance-companies/

More people are using AI to help manage their LTD claims.And it can help—with organization, communication, and understan...
05/11/2026

More people are using AI to help manage their LTD claims.

And it can help—with organization, communication, and understanding the process.

But there’s a line.

AI provides general information.
It doesn’t understand your policy, your medical evidence, or how insurers handle claims in practice.

That gap can lead to confusion, mistakes, or unnecessary stress.

Used properly, AI can support your claim.
It shouldn’t guide it.

Read more: https://mulqueendisabilitylaw.com/ltd-blog/ai-long-term-disability-claims-risks/

Mental Health Week is a reminder that not all disabilities are visible—and not all struggles are easy to explain.For man...
05/04/2026

Mental Health Week is a reminder that not all disabilities are visible—and not all struggles are easy to explain.

For many people navigating mental health conditions, the challenge isn’t just the symptoms—it’s being understood, supported, and believed.

Whether you’re seeking treatment, taking time off work, or navigating a disability claim, your experience matters.

Support should never come with doubt.

Approved for CPP disability and your LTD payments dropped?That’s expected—but the calculation still has to be correct.We...
04/20/2026

Approved for CPP disability and your LTD payments dropped?

That’s expected—but the calculation still has to be correct.

We’re seeing more cases where insurers:
• use the wrong CPP-D amount
• include increases they shouldn’t
• deduct dependent benefits improperly

These errors are not always obvious—but over time, they can mean you’re being underpaid.

If something doesn’t look right, it’s worth reviewing.

Read more:
https://mulqueendisabilitylaw.com/ltd-blog/cpp-disability-offset-ltd-underpayment-ontario/

An Insurance Medical Examination (IME) is not treatment—it’s part of your LTD claim.These assessments are arranged by th...
04/06/2026

An Insurance Medical Examination (IME) is not treatment—it’s part of your LTD claim.

These assessments are arranged by the insurer and focused on one thing: your work capacity.

What you say, do, and demonstrate during the IME can directly impact your benefits.

Preparation matters.
So does understanding your rights.

Read more:
https://mulqueendisabilitylaw.com/ltd-blog/insurance-medical-examination-ime-ltd/

Workplace accommodation isn’t always risk-free.Modified duties, reduced hours, or flexible work can seem like the right ...
03/30/2026

Workplace accommodation isn’t always risk-free.

Modified duties, reduced hours, or flexible work can seem like the right step—but in an LTD claim, they can create complications.

Insurers don’t assess whether your employer can accommodate you.
They assess whether you can work consistently, reliably, and without ongoing support.

Even a short or unsuccessful return to work may later be used to question your entitlement to benefits.

Understanding this distinction matters before making decisions that affect your health and income.

Read more:
https://mulqueendisabilitylaw.com/ltd-blog/workplace-accommodation-vs-long-term-disability/

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