LTD Benefits Revoked After  Trip Surveillance

LTD Benefits Revoked After Trip Surveillance

For Charlie, time away from work was hardly a vacation. He had been forced to stop working as the front desk concierge at a condo building in downtown Calgary, and his condition was yet to improve more than a year after filing a long term disability claim. His doctors had diagnosed him with arthritis – their expertise had allowed him to get his claim approved – but so far they hadn’t found a way to reduce his symptoms.

Until then, there was simply no way he could even consider going back to work. On most days, he could barely make it downstairs without suffering excruciating pain. The thought of doing the rounds at a high rise condo was unthinkable with or without an elevator, and the stiff chairs and long overnight shifts didn’t sound much better.

Charlie would have been miserable if not for the assistance of his family. His wife and children – and in particular his daughter – brought him groceries and took care of many of his day-to-day needs. Charlie hated relying on other people, but their support was invaluable as he worked to regain his independence.

That’s why he didn’t think twice about getting on a plane for his daughter’s destination wedding. The date had been picked and the tickets booked two years in advance, long before Charlie’s disability claim, and he would never let a bit of arthritis keep him from celebrating such an important day with his family. When the time came, Charlie managed to get himself onto the plane and made it to the resort in the Dominican Republic.

Sadly, Charlie couldn’t enjoy the trip as much as he originally hoped. His pain kept him away from most of the amenities and he spent much of the day confined to his hotel room, where he watched the same TV shows he typically watched at home. Thankfully, the ceremony itself was beautiful, and he did get to spend a few days lying on the beach instead of a hotel bed.

However, Charlie never imagined a beach vacation could make his problems so much worse. The insurance company found out that he had been to the Dominican after family members posted the wedding photos on social media, many of which featured a smiling Charlie.

They immediately terminated his disability benefits, telling him that if he was healthy enough to go on a tropical vacation, he was healthy enough to work. They ignored Charlie when he told them he’d actually spent most of the week in excruciating pain and that he was only in the Dominican for the sake of a once-in-a-lifetime family event.    

Needless to say, Charlie was distraught. He still couldn’t work and he didn’t know how he was going to keep his life together without his disability benefits. The whole thing felt patronizing and unfair, as if he was being punished for celebrating with his daughter.

That’s when his family came through for him once again. His daughter saw an ad for Share Lawyers on TV and Charlie decided to put in a call, if only because he didn’t know what else to do. 

He was thrilled when Share Lawyers told him they could help to get the disability benefits he was entitled to, going back to when he was cut off and into the future.  He met with the team and they quickly went to work collecting medical documentation and sifting through his insurance company’s policy on taking a vacation while receiving benefits. The lawsuit was filed, and Share Lawyers was able to get Charlie his benefits and back to focusing on the road to recovery.

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 Great-West Life, Desjardins, Manulife, RBC Insurance, Sun Life, and many more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.