Income Replacement Denials & Reinstatement

When you are not able to work, it can be very overwhelming.  When your income replacement benefits (group insurance LTD, MPI or WCB)  are declined or terminated it can leave you feeling like you do not know where to turn or what to do.  This can become more complex if you were caring for others, financially or providing emotional support, you may feel overwhelmed and exhausted.  That is where we come in.  Let Brematson Disability Advocates help you navigate through getting your benefits approved or reinstated.


Group Insurance Long Term Disability:

When you are dealing with a chronic illness, injury or disease, your resources to cope are depleted and we understand.  When it feels like you are all alone; we are here.  It is an emotional upheaval when you are isolated from your regular routine of work due to a disability and then money you were counting on from your group insurance LTD is not paid to you.  Fear, anger and anxiety set in as you try to figure out how to pay bills.  When finding a solution starts to feel impossible, turn to us and let us navigate through your appeal for you.  We have decades of group insurance experience.  We have passion for the work we do and we are committed to resolving your claim, so you can focus on your health, medical appointments and your family.


Did you know…. Often most group insurance contracts have a Life Waiver of Premium Benefit, this means that the monthly premium for your group life insurance is waived and the coverage maintained while you are receiving LTD.  If your LTD claim is declined or terminated, this is another reason to appeal the decision.


Manitoba Public Insurance (MPI) or other auto benefits

When you have been injured in a motor vehicle accident, it becomes a blur of appointments; figuring out alternate transportation and repairs if your vehicle was damaged, as well as trying to focus on your health and injuries.  When your income replacement benefits/PIPP are terminated, it is very upsetting thinking about returning to work when you are still in significant pain, or just do not yet have the strength, to walk or lift or stand to do your job.  It can increase anxiety about re-injury, and also about failing at your pre-accident job.  This situation becomes more complicated when your employer is expecting you to return to work, but you are not feeling ready.  You are not alone, we are here to help you get the income replacement benefits in order to reach your full medical recovery which could include a rehab plan.  We have significant experience, and we are passionate about what we do, let us handle your appeal so you can focus on your health, medical appointments and your family.




Workers Compensation Board (WCB)

In the Province of Manitoba, there was an amendment to the Workers Compensation Act (WCA) that included an assumption for workers diagnosed with PTSD (post-traumatic stress disorder), the diagnosis must be made on or after January 1, 2016 by a physician or psychologist.  Many professions including police officers, firefighters, other first responders, healthcare professionals, and mental health practitioners are faced with unknown situations resulting in repeated trauma on a daily basis.  Other workers involved with children, youth and within the community may also face traumatic events during their workdays.  If you have been diagnosed with PTSD and denied WCB benefits, contact us, we can help.  Recognizing a mental health issue can be difficult to grasp, explain and understand. Reaching out for help or filing a WCB claim can be a tremendous first step, but when your claim is denied, it can leave you feeling uncertain, confused, angry and possibly anxious or depressed.  The frustration can affect your personal relationships with your spouse and family because your ability to cope in healthy ways may be diminished.  We are mental health professionals, we appreciate your situation.  We will continue to pursue your claim and be there for compassionate support; we are committed to focusing on what needs to be done, so you can get treatment and focus on your health, family and being able to live your life.