Do You Have a Disability Case?
delete
Why It’s So Important to Listen & Empathize With Our Clients

Why It’s So Important to Listen & Empathize With Our Clients

At the most basic level, a disability is a disruption. Those who develop a condition in their adulthood can suddenly find themselves struggling with everyday tasks, and are physically or mentally unable to do as much as they did when they were younger. It can be incredibly demoralizing to be forced to confront those limitations, and no one feels that more acutely than the person wading through a to-do list that never seems to get any smaller. Unfortunately, many bystanders are simply unwilling or unable to empathize with that struggle. They have no broader understanding...
delete
Post-Settlement – Life After Post-Concussion Syndrome

Post-Settlement – Life After Post-Concussion Syndrome

When Sara, 40, slipped on the ice last winter while skating with her family, she hit her head. She blacked out for a few seconds and woke up feeling dizzy and nauseated. Her family took her to the emergency department where they ran some tests and found out that she had a concussion. It didn’t seem too serious at first, so she pushed herself to get back to her normal routine almost immediately. Within a day she was getting violently ill at work, suffering splitting headaches, and often lost track of what she was saying mid-sentence. She had developed post-concussion...
delete
A Day In The Life – Living With Chronic Pain

A Day In The Life – Living With Chronic Pain

Living with a chronic condition can make day-to-day life very difficult, if not unbearable. From one person to the next, each experience is unique, varied mostly by the severity of their condition and their access to help. For those who live alone, it changes things and makes the process of living with a disability even more difficult. Algar, a client of ours, was kind enough to grant us a peek into what a day in his life looks like. 48 years old and living alone in a single room in a house in Toronto, Algar deals with chronic pain. This is what a typical day in his life...
delete
What to Expect in a Functional Capacity Evaluation

What to Expect in a Functional Capacity Evaluation

Functional Capacity Evaluations Functional Capacity Evaluations (FCEs), otherwise known as Functional Abilities Evaluations (FAEs), are conducted by various healthcare providers. They provide objective information about an individual’s ability to perform work tasks and activities of daily living. Insurance companies frequently use FCEs in the evaluation of long-term disability claims. What To Expect An FCE may include a wide range of activities to test the limits of the claimant’s physical abilities in relation to their occupation. Activities such as lifting,...
delete
Independent Medical Examinations, Functional Capacity Assessments, Home Visits & Surveillance

Independent Medical Examinations, Functional Capacity Assessments, Home Vis...

IME & FCE Investigative Tools There are several investigative tools used by insurers when assessing disability claims. These tools include IMEs (Independent Medical Examinations), FCEs (Functional Capacity Evaluations), referrals to medical consultants, home visits and surveillance. The insurer has a contractual right to compel a claimant to undergo an IME. As well, in most circumstances, a claimant has the obligation to attend an examination. An FCE may, however, be an entirely different matter. In contrast to an IME, an FCE is not generally contractually required...