Do You Have a Disability Case?
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Can the Insurance Company Deny Your Disability Claim if you have PTSD?

Can the Insurance Company Deny Your Disability Claim if you have PTSD?

The short answer is yes – even if you have a medical diagnosis. Here’s a story very similar to a case that we recently won for a client. Please note that all names and identifying details have been changed to protect the confidentiality of all involved.  Derrick had always assumed Post Traumatic Stress Disorder was something that only happened to soldiers and people in dangerous professions. He certainly never expected that it was something he’d have to deal with in his position as a bank manager in downtown Vancouver, or that it would upend his life in such a...
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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...
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Suffering from Agoraphobia, Long Term Disability Benefits Denied

Suffering from Agoraphobia, Long Term Disability Benefits Denied

Alice generally liked to keep to herself. She enjoyed her role as a data analyst and liked her co-workers well enough. She simply found larger social gatherings to be extraordinarily stressful, and usually tried to keep to a smaller circle of trusted friends and co-workers at her office in Regina.  For the most part, that seldom proved to be a problem. Alice had no trouble keeping up with her responsibilities at work, and her colleagues understood her anxiety and tried to respect her boundaries. Everything changed unexpectedly when Alice went through an unusually...
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A Home Invasion Nightmare: Rosie’s Story

A Home Invasion Nightmare: Rosie’s Story

As a contracts associate at a large publishing firm in Vancouver, BC, Rosie was a stickler for details. Her job gave her a sense of purpose when she was able to deliver an airtight document to a client. Everything changed after a burglar broke into her home, although Rosie didn’t realize how much it would affect her at the time. Her roommate had been out of town during the robbery. Rosie, on the other hand, had been asleep in her bedroom and was completely unaware of the burglary as it was happening. She only learned about the crime when the police knocked on her door....
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By the Numbers: Canada’s Growing Awareness of Invisible Disabilities

By the Numbers: Canada’s Growing Awareness of Invisible Disabilities

Invisible disabilities are far more common than many people realize. According to the 2017 Canadian Survey on Disability (CSD), more than 2 million Canadians are currently living with a mental health-related disability, and even that number does not fully reflect the scope of the issue. Pain-related conditions are the most common cause of disability for adults over the age of 25, and many of those conditions – including fibromyalgia and arthritis – may not be immediately apparent to a casual observer. Unfortunately, even our best metrics are imperfect. The previous CSD...
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Why won’t my insurance provider recognize my disability?

Why won’t my insurance provider recognize my disability?

Invisible disabilities can be just as debilitating as their more visible counterparts, making it extremely difficult to fulfill the day to day responsibilities of a job. Unfortunately, people with invisible disabilities often face more barriers than people with more evident physical limitations, especially when they choose to file a long term disability claim. Much of that is simply a question of recognition. By definition, invisible disabilities cannot be confirmed with the naked eye. Someone with a mental health issue like PTSD will often seem to be perfectly healthy to...