Denied Benefits While Searching For a Diagnosis

Denied Benefits While Searching For a Diagnosis

The inability to work due to illness can be incredibly difficult. There are many emotional and mental stresses that come along with being sick, and financial worry can be a major factor in this. Recent studies have shown that stress is linked to the body losing its ability to regulate the inflammatory response. Therefore, when one is suffering from an illness, stress can make the pain worse, causing a vicious cycle of physical and emotional anguish. Having to wait for a diagnosis can magnify these factors.

Living in the unknown without a clear medical conclusion is tough. It can be hard to treat your condition without knowing what might cause further damage. It is also nerve-wracking not knowing how serious your illness may be. On top of that, it can be quite challenging to claim disability benefits from your insurance company. Let’s take a look at Cathy’s story, for example.

Cathy was 44 years old when she started to experience symptoms of what she would later learn was fibromyalgia. Her energy levels dropped to the point where some days she could not get out of bed. Along with fatigue, she started to have trouble holding a train of thought. She had stiffness in her muscles, which made it difficult to be on her feet for long periods of time. She was scared that something was seriously wrong, and approached her doctor.

It was two years before Cathy received her official diagnosis. The trouble with fibromyalgia, she learned, is that there is no clear test that can confirm whether or not a person has the condition. The symptoms can change over time and vary in degrees of severity. It is only through trial and error, ruling out other conditions, and consultations with various specialists that a diagnosis can be confirmed.

In the two years leading up to her diagnosis, Cathy was extremely sick and unable to work. She attempted to claim long-term disability but was denied due to lack of medical evidence. In despair, she began to do some research. She came across Share Lawyers and decided to schedule a phone meeting to see if they could help.

Calling Share Lawyers was the best decision Cathy could have made. We were able to take legal action and negotiate a favourable settlement on her behalf. At Share Lawyers, we know that obtaining a definitive diagnosis can sometimes take considerable time, but this does not mean that you are not entitled to your LTD insurance benefits. We are proud of the work that we do helping those in need, and if you find yourself in a similar circumstance, we encourage you to contact us without hesitation.

 

*All names and identifying details have been changed to protect the confidentiality of all involved.

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We have recently settled cases against Standard Life, Desjardins, Manulife, RBC Insurance, Sun Life, and much more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.