[VIDEO] Invisible Disabilities & Insurance Claims: What You Need To Know

[VIDEO] Invisible Disabilities & Insurance Claims: What You Need To Know

When it comes to filing a claim for disability benefits, some ailments are easier to prove than others. Invisible disabilities, for example, are notoriously difficult to demonstrate which can make proving the necessity of benefits that much harder. So just what constitutes an invisible disability? And what do you need to know to successfully apply for disability benefits when you have one? 

“The reason they refer to them as an invisible disability,” says Associate Lawyer Allison Gilmour, “is because it’s something that doesn’t necessarily show up on a medical test. So it might be something like a mental health disability, chronic pain, chronic fatigue, or even the after-effects of Lyme disease.”

According to the Invisible Disabilities Association, invisible disabilities are defined as “a physical, mental or neurological condition that limits a person’s movements, senses, or activities that is invisible to the onlooker.” This can include conditions such as mental illness (depression, anxiety, PTSD, and ADHD to name a few), chronic pain, chronic fatigue, chronic dizziness or vertigo, and inflammatory bowel disease. Often, if there are tests that can be done, the results can be inconclusive or within a very small margin of error, all of which are easy for an insurance company to contest. This means it can be incredibly difficult to prove the need for disability benefits when applying for an invisible disability.   

However, that’s not to say that all hope is lost. There are a few key things to keep in mind that will help set you up for success with your disability claim. 

The key elements you need to have in order to file a successful claim include a supportive family physician and appropriately-referred specialists of your condition. 

What do we mean by a supportive family physician? We mean someone who believes you when you tell them about your symptoms, who understands something is wrong and wants to help you find a diagnosis and treatment plan – someone who’s not trying to just rush you out the door. Sometimes, this can mean having to find a new doctor. As difficult as that is, it can be a necessary step towards a successful claim. 

“It’s very important to make sure that, if there is an appropriate specialist, that’s the person who’s supporting the claim,” said Gilmour. Insurance companies will look for any reason to deny your claim, and if that means picking apart the fact that you don’t have specialists providing medical documentation, they’ll do it. So while a supportive family physician is necessary, it’s also just a jumping-off point. The individual insurance company employee who is working on your case will likely have no information regarding your condition, and as a result, have very little understanding or sympathy for it. The right specialists will set your claim a part, and set you up for success.  

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 RBC Insurance, Desjardins, Industrial Alliance, Sun Life, Blue Cross, Manulife, 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.