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What Happens After an LTD Settlement? Relief

What Happens After an LTD Settlement? Relief

It had been Ryan’s dream to be a professional football player since he first laid eyes on the gridiron as a young boy. Following years of dedication, hard work, and a few college championships, Ryan, now 34, found himself playing ball as a semi-pro quarterback in the NFC. He was well on his way to the CFL when his dreams were shattered by a devastating back injury he sustained during practice. The years of hard work and pressures of the sport had taken a toll on Ryan’s body and his mind – and he had been struggling with recurring bouts of depression over...
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Planning Ahead the Key to Living With Cystic Fibrosis

Planning Ahead the Key to Living With Cystic Fibrosis

Cystic Fibrosis is a recessive genetic disorder that affects organs like the lungs, pancreas, and liver – gradually deteriorating the body over time – and those living with the condition must take constant care of their bodies through medications, treatments, nutrition, and frequent hospital visits.   One of our more recent clients, Scott, now 32, was only an infant when a sweat test conducted by his doctor detected a higher level of salt in his sweat – an early indicator of Cystic Fibrosis. Growing up, Scott was one of the more fortunate...
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Denied Disability Claim For Addiction

Denied Disability Claim For Addiction

Applications for disability benefits with invisible illnesses are often held to higher levels of scrutiny. Addictions — alcohol, drugs, gambling, sex, etc are considered invisible illnesses, and are often heavily scrutinized. Leonard, a 43-year-old web developer, learned this the hard way.  Leonard was walking home when he was involved in a car accident. Someone ran a red light and hit him as he was crossing the street. Thankfully, it was a small residential area, so the car wasn’t moving fast enough to cause any broken bone but Leonard suffered severe whiplash, a...
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Denied Due to Lack of Evidence

Denied Due to Lack of Evidence

Wayne enjoyed his work as a digital marketing strategist, but he would not have described the job as a physically demanding one. He started to rethink that stance after his health took a turn for the worse when he turned 35. At first, his symptoms were relatively minor. He might be tired one day and sore on another, but for the most part it just felt like an extension of the regular aches and pains that most people dealt with during their adulthood. Unfortunately, those symptoms gradually became more intense over the course of several months. Before long, Wayne was...
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Life After LTD Settlement for Cancer Treatment Pain

Life After LTD Settlement for Cancer Treatment Pain

Stephanie, a 40-year-old bus driver, had worked tirelessly at her job for many years. Through exhaustive and often stressful, Stephanie still loved her job; it allowed her to connect with her community and help in a tangible way. That’s part of why it was so painful when she had to take time off after her breast cancer diagnosis. She was told her chances of recovery were high, but she needed to focus on treatment.  Thankfully, she had the full support of her employers, coworkers, family, and friends, which she often attributes to the success of her treatment. She was...
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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...