What are the most common long term disabilities that are denied and why are they so frequently denied?

What are the most common long term disabilities that are denied and why are they so frequently denied?

What are the most common long term disabilities that are denied? Why are they so frequently denied?

When you have submitted a claim for disability insurance benefits, in many cases, it is a difficult decision made after struggling with a health condition that is interfering with your ability to do your job. While our firm has assisted Canadians with a vast array of medical issues that prevent them from working, the type of claims that are most frequently denied involve so-called “invisible disabilities.”

What are Invisible Disabilities?

These are disabilities that are not obvious to other people, such as chronic pain, fibromyalgia, chronic fatigue and mental health issues. Some chronic illnesses, like multiple sclerosis, can also fit into the “invisible” category because while the diagnosis of a chronic illness itself may not be in dispute, the extent and severity of the symptoms that interfere with the ability to work may not be as clear-cut.

If others can’t see the obvious signs of disability, they may find it difficult to accept that someone cannot work. The person claiming disability benefits may often feel guilty that they have made the claim where friends and family or co-workers may have trouble accepting that they are disabled. They receive comments, like: “hey, I can’t believe you’re on disability, you look great!”   Even if nothing like this is said, sometimes it’s just the looks they get from well-meaning family and friends, who unconsciously may scoff at the idea that someone is getting a “free ride” or benefits from an insurance company.

Why Are These Claims So Frequently Denied?

These claims are frequently denied because the types of prejudices and biases discussed above make their way into the claim adjudication process. Insurance companies want “objective evidence,” which means a medical test result that establishes in black and white that you are disabled. Invisible disabilities can’t be proven by objective evidence most of the time as the limits of medical science can’t provide answers as to why, for instance, someone with fibromyalgia can or cannot work.

If there is a possibility that a claim can be denied, it invariably is. Claimants are rarely given the benefit of the doubt in the LTD claim process.

What Can You Do If Your Claim is Denied?

If your claim has been denied you should contact a LTD lawyer with experience dealing with these claims. At Share Lawyers, we have experienced LTD lawyers who can assess your case and the possibility of successfully challenging the insurance company’s decision. With representation, we can help to put the necessary evidence together to get you your benefits or negotiate a reasonable settlement of your claim.

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.