What Do I Do If I Don’t Have a Diagnosis?

What Do I Do If I Don’t Have a Diagnosis?

In most long-term disability cases, people will experience symptoms long before they receive an official diagnosis. Those symptoms send people to the doctor in the first place, and they can become quite severe before anyone can identify a cause.

As it relates to work, that means that you are eligible for long-term disability benefits even if your condition has not yet been diagnosed. In order to receive benefits, you simply need to demonstrate that your medical issues prevent you from doing your job. In that regard, an official diagnosis does not make a condition any more or less debilitating. For example, in the movie The Big Sick the doctors may not know what is wrong with Zoey Kazan’s character, but they still need to put her in an induced coma while they try to figure it out.

It should go without saying that a condition requiring a medically induced coma will also make it difficult to go to work. But with conditions like fibromyalgia or depression, they can take months to diagnose and yet still impact your ability to work. While waiting for a diagnosis, you are still experiencing pain, anxiety, and other symptoms that would hinder your performance.

This is why you are allowed to apply for long-term disability benefits without an official diagnosis. It is worth noting however that the claims process will probably be much more difficult if you choose to. The insurance company will use any excuse to deny your claim. If you don’t have a formal doctor’s diagnosis, many providers will try to argue that you do not have any objective proof of an underlying medical concern.

However this doesn’t mean that you shouldn’t file a claim, or that doing so is a waste of time. Once again, if your health issues are affecting your ability to do your job, those issues are legitimate and entitle you to disability benefits.

It does mean that you should  consult a lawyer, after your claim has been rejected. Share Lawyers can help you navigate the legal system.  To that note, it’s important to remember that your symptoms are evidence of a condition. A doctor who is familiar with your medical history will be able to bolster your case if they are willing to corroborate your experiences and attest to the impact your disability is having on your day-to-day life.

The search for a diagnosis can also create problems on its own. The medical system is stressful at the best of times, and it becomes much more so when you are in pain and desperate to get to the source of a problem. That can manifest in mental health issues like anxiety and depression, giving you more grounds for a long-term disability claim.

At the end of the day, nothing is more important than your health. A long-term disability claim can give you the time and resources you need to focus on your recovery, especially if your doctor recommends rest (or another treatment program). Share Lawyers is happy to answer any questions about the process, so don’t be afraid to reach out to see if a disability claim makes sense for you!

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.