Claiming Disability for those with Crohn’s and Colitis

Claiming Disability for those with Crohn’s and Colitis

There are an estimated 233,000 people living with Inflammatory Bowel Disease in Canada, and approximately 19,000 with Crohn’s disease or ulcerative colitis in the city of Toronto alone.

Crohn’s and ulcerative colitis are conditions that inflame the gastrointestinal tract lining and cause difficulty in your body’s ability to digest, absorb nutrition, and eliminate waste properly. Common symptoms include abdominal pain, cramping, gas, bloating, fatigue, diarrhea, and loss of appetite. Like most diseases, there is a large range in the severity of symptoms that individuals experience, as well as the toll that these conditions take on their daily lives. For some, various medications, diet and lifestyle changes can make the disease manageable enough that they are able to function regularly. For others, symptoms can be so debilitating that they are unable to work. In these cases, it is important to take the proper steps in ensuring financial security through successful disability claims. Crohn’s and Colitis Canada provides many useful recommendations.

It is extremely important to have regular medical check-ups – not only for your physical health but because those under regular medical supervision are rated more favourably by coverage providers. As well, ask your doctor to write a letter to the insurance company about your condition and request him or her to interact directly with the company’s medical director. You are more likely to be accepted for insurance if your physician helps the medical director evaluate the risk. Be sure to keep a record of all your correspondence and medical information in order for the insurance company’s ombudsman to be able to conduct a thorough review of your case. If you believe you are entitled to a claim which has been denied, do not let one or multiple rejections stop you from trying. Team up with legal professionals such as Share Lawyers who can successfully advocate on your behalf.

For more information, Crohn’s and Colitis Canada offers resources for people with these conditions, families, volunteers, and others who may be affected. Their goal is to share experiences, raise funds, and heighten awareness.

“Managing healthcare for yourself or a loved one can be a daunting task,” their website states. “Persistence, communication, documentation, and information are key to advocating for appropriate care.”

For further financial support, familiarize yourself with The Disability Tax Credit, which exists to assist individuals dealing with excessive medical expenses associated with a disability. This includes conditions such as Crohn’s Disease and ulcerative colitis that require extensive therapy to manage. As well, for a useful list of potential federal and provincial government income support for Canadians suffering from these conditions, click here. At Share Lawyers, we encourage you to use every resource available, and we are here to help support you through our legal expertise and experience.

 

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.