Do You Have a Disability Case?
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After an LTD Settlement – Embracing Life with Chronic Back Pain

After an LTD Settlement – Embracing Life with Chronic Back Pain

Jacob, 33, had spent the better part of a year working the rigours of Toronto’s numerous hi-rise construction projects when one day he suddenly had excruciating back pain, too much to bear and an ambulance was called.  He had suffered from mild back pain for the last couple of years, yet it had never stopped him from working. At the emergency room Jacob was told that he had herniated several discs in his back and he also suffered from Degenerative Disc Disease.  Jacob made use of his short-term disability benefits in the hopes that some time off would...
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A Day In The Life With Multiple Sclerosis

A Day In The Life With Multiple Sclerosis

Multiple Sclerosis (MS) can make the most fundamental daily tasks seem monumental. It can be a profoundly isolating experience, whether you live alone or with a family, feeling trapped in your own body.  Anna*, a client of ours, generously agreed to give us a glimpse at what her day-to-day experience with Relapsing-Remitting MS (RRMS) was like before she applied for long term disability benefits. A 46-year-old 5th-grade teacher at a local public school, she lived with her husband and just recently sent her twin sons off to University.  We met Anna six months...
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When it Comes to COVID-19 Pop Culture Shapes the Conversation

When it Comes to COVID-19 Pop Culture Shapes the Conversation

When Tom Hanks first announced that he and wife Rita Wilson had been diagnosed with COVID-19, it fundamentally altered the shape of the coronavirus discussion in North America. Before that, the media had focused primarily on the other side of the world, where the virus had already had a devastating impact in China, Italy and elsewhere. As one of the most beloved (and recognizable) actors of his generation, Tom Hanks served as a reality check. He made the disease seem less anonymous and indicated that no one would be immune to the pandemic. Hanks and Wilson have since...
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Fibromyalgia Denied With Not Enough Proof

Fibromyalgia Denied With Not Enough Proof

Carter was used to a little bit of pain. He spent a lot of time on his feet in his day job as a building manager, and things just hurt more at 50 than they did at 20. That’s why he wasn’t too concerned when he started to experience mild but recurring pain that spread from his right leg to his lower back. It was unpleasant, but not entirely unexpected. Unfortunately, those symptoms persisted, and his efforts to diagnose the problem were largely ineffective. Based on the location of the pain, Carter thought it might have something to do with a bad fall that he had...
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Living with Middle-Stage Alzheimer’s

Living with Middle-Stage Alzheimer’s

As our population ages, the number of people affected by Alzheimer’s disease will increase dramatically. As it currently stands, 65% of Canadians diagnosed with the disease are over the age of 65 – but some are even younger. Though earlier diagnosis, access to better treatment options, and a greater understanding of the disease itself are changing the quality of living for people with Alzheimer’s, the challenges of living with the condition remain all too real.  Maggie, 47, was enjoying her career as a social worker in North Bay. She had spent the better part...
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Quitting Your Job Can Impact Your Disability Insurance Benefits

Quitting Your Job Can Impact Your Disability Insurance Benefits

Invisible disabilities are difficult to battle in the workplace, but just because you don’t see something doesn’t mean it doesn’t exist. In the case of mental health disorders such as anxiety and depression, it’s becoming more common for employees to seek time off to recover from a disorder.  The stigma of these conditions and disorders is what often leaves employees wondering if an insurer will take them seriously or deem the claim as legitimate. In those times of overwhelming stress and disarray, an employee may feel disgruntled enough to leave their job entirely...