When a “Change of Definition” Cancels Your LTD Benefits

When a “Change of Definition” Cancels Your LTD Benefits

Chau moved to Toronto when she was 47 – that’s when her company decided to open a new office in the city. As one of the most experienced financial advisors on the team, Chau was sent to help get the operation off the ground.

At first, Chau was excited for the challenge, even if the new space did come with new responsibilities. There were fewer people in the new office than there were at headquarters, so Chau now had to take on tasks that used to land on someone else’s desk.

Doing so proved to be more overwhelming than she expected. For example, Chau had to smooth things over when the company’s new software led to miscommunications with key clients, and that was only one of the hiccups they encountered while setting up the office.

It wasn’t long before the added pressure started to take a toll. Chau regularly went to work feeling nauseous, and she found that she still didn’t have much appetite when her stomach felt more settled. Meanwhile, the stress kept her awake when she tried to go to sleep. The city just didn’t feel like home, and it was getting more and more difficult to relax outside of work.

Despite her struggles, Chau managed to fulfill many of the core aspects of her job. However, her performance eventually started to decline, and the workload was having a detrimental impact on her physical well-being. When she finally went to see a doctor, he diagnosed her with severe anxiety, which he attributed to the sudden change in both her environment and her level of responsibility. Chau might have been able to handle either one on its own, but the combination made it more difficult to get settled. 

Either way, Chau knew that it would be impossible to continue at her current pace. She filed for long term disability benefits and stopped working.  She received benefits for two years when her claim was denied.  

Unfortunately, the time off did little to alleviate her anxiety. Her appetite vanished whenever she thought about going back to the office, and she went into a full-fledged panic when she lost her benefits at the change of definition date. The insurance company told her that she should be well enough to hold another job, even if she couldn’t return to her previous position.

Of course, the thought of any full-time job was still a harrowing proposition. Chau didn’t know how to make her case to the insurance company. Then her brother told her about Share Lawyers. Chau decided to make a call and was relieved when they listened to her story. 

After her initial consultation, Share Lawyers agreed to take her case. Share Lawyers could explain the complicated workings of the change of definition law, and that put her mind at ease when they pushed back against her insurer. Due to Chau’s extreme anxiety, all contact with Share Lawyers was able to talk place over the phone and via videoconferencing – Chau simply felt more comfortable dealing with everything from her home. 

The fight against the insurance company was long and difficult, but Chau received a substantial settlement that paid all her back payments and five years into the future. They were able to demonstrate that Chau’s anxiety was enough to keep her out of any kind of work, and she is once again taking steps to get her anxiety back under control.

*Please note that 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 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.