ClaimCoach North
Blog — ClaimCoach North
Plain-language guides for understanding insurance and benefit denials, appeal deadlines, and the evidence that can make a stronger case.
Sun Life cut off your LTD benefits at 24 months? Understand the change-of-definition trap
A practical Ontario guide to the 24-month LTD change-of-definition review, why Sun Life may terminate benefits, and what evidence helps an appeal.
May 25, 2026 · 8 min read · Nicolas Faye
What to do in the first 48 hours after an insurance denial
A calm first-step checklist for saving the letter, finding the deadline, asking for the claim file, and deciding what evidence to gather next.
May 23, 2026 · 6 min read · Nicolas Faye
Medical evidence checklist for an LTD appeal
What medical and functional documents usually help when an insurer says there is not enough evidence to support disability.
May 22, 2026 · 7 min read · Nicolas Faye
Appeal deadlines: what to check before you send anything
How to find internal appeal deadlines, keep proof of delivery, and avoid confusing an insurer deadline with a legal limitation period.
May 21, 2026 · 6 min read · Nicolas Faye
Sun Life and Canada Life appeal checklist
A practical checklist for organizing LTD appeal evidence when your denial came from Sun Life or Canada Life.
May 20, 2026 · 7 min read · Nicolas Faye
What 'change of definition' means in your long-term disability policy
A plain-language explanation of the 24-month transition from own occupation to any occupation, and how to prepare before the insurer uses it.
May 16, 2026 · 7 min read · Nicolas Faye
How to appeal a Manulife LTD denial in Ontario
A practical guide to timelines, evidence, common denial reasons, and what a stronger Manulife long-term disability appeal usually needs.
May 16, 2026 · 8 min read · Nicolas Faye
How to read a denial letter in 10 minutes
A fast, practical way to find the deadline, the real reason for refusal, the evidence reviewed, and the next step hidden in your LTD denial letter.
May 16, 2026 · 6 min read · Nicolas Faye