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Long Term Disability Benefits and Concerns About Contracting COVID-19

Long Term Disability Benefits and Concerns About Contracting COVID-19

We are starting to see LTD claims being denied by the insurance companies where there is a COVID-19 element to the claim. It is early days when it comes to seeing these claims where COVID-19 becomes an issue, because it takes months for denied claims to trickle down into the legal community. A recent article in The Players’ Tribune, written by WNBA player Elena Delle Donne suggests that LTD insurers will use similar reasoning to deny claims. Ms. Donne, who plays for the WNBA’s Washington Mystics has Lyme Disease and has to take 64 pills a day to be able to function and...
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Eminem And The Road To Sobriety

Eminem And The Road To Sobriety

Many invisible illnesses face severe scrutiny from the general public. Not least of these is addiction, an illness frequently maligned as little more than a selfish sign of weakness and poor impulse control. Over the years, we have worked tirelessly to try and dismantle this misconception in how we support our clients. But the shame of addiction and relapse is so profound, few people like to make their addiction public. Which is why it’s so important when celebrities, those at the forefront of the public’s consciousness, are outspoken about their addiction. In April,...
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LTD Surveillance During the Summer

LTD Surveillance During the Summer

A long term disability claim usually comes as welcome and long overdue relief. Once you start receiving those benefits, you no longer need to worry about holding down a job or finding the income to support yourself during your recovery. However, you do need to be wary about what you do once you start receiving benefits. Insurance companies will use surveillance techniques to try to obtain evidence that suggests that you are not truly disabled. If they find what they’re looking for, they’ll also use that evidence to try to invalidate your claim and terminate your claim....
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Chronic Pain: Invisible but Very Real

Chronic Pain: Invisible but Very Real

At first, Josie was grateful. She had walked away from the crash relatively unscathed, and the injuries she sustained healed over the next few weeks. Any car accident could be harrowing, but she was a young and otherwise healthy college student and had been able to bounce back without too many lasting consequences. Or at least, that’s the way it had seemed at the time. She would eventually learn that the collision had done more permanent damage than she had initially realized, though it would still be several years before her symptoms truly started to manifest. It began...
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Canadian Armed Forces Denied Disability Benefits For PTSD

Canadian Armed Forces Denied Disability Benefits For PTSD

As we well know, invisible illnesses are mired in stigma from both the general population as well as insurance companies. Post-traumatic Stress Disorder (PTSD), an often misdiagnosed and heavily misunderstood invisible illness, frequently leads to denied disability claims as a result. Though studies suggest it affects at least 7 in 100 Canadians, we have limited data on the illness and just how many Canadians are living with it without help.  Sam, a 43-year-old member of the Canadian Armed Forces, is just one of them. After years of working in the field, helping her...