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Denial Of PTSD Based on Insufficient Medical Evidence

Denial Of PTSD Based on Insufficient Medical Evidence

Jessica was always a creature of habit. A fan of routine, she’d been following the same one every day for the past decade. She’d start her day with a coffee and a lift to work from her husband. She’d sit on the same park bench every lunch, and then walk home when the day was done to get her exercise in. In fact, it was this walk home that was her favourite part of her day as it gave her time to relax and focus on herself.  Then, one day, she was attacked on her evening walk home. Someone had crept out from behind a nearby building, grabbed her, and threatened her...
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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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Long Term Disabilities & the Importance of Being Believed

Long Term Disabilities & the Importance of Being Believed

A long term disability claim usually represents the culmination of a much lengthier medical process. People can exhibit symptoms for months or even years before they become severe enough to force them away from work, and most will usually go through many doctor’s appointments and many rounds of testing in an effort to diagnose (and treat) the problem before they make it to that point.   That’s why it can be so devastating when a disability claim gets rejected. In most cases, those months and years of testing will be well documented. If an insurance company then...
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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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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...