Do You Have a Disability Case?
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How Do I Convince My Insurance Provider to Approve My Claim?

How Do I Convince My Insurance Provider to Approve My Claim?

When it comes to a long term disability claim, the diagnosis is only half the battle. You still need to get your insurance company to approve your disability. Most providers will be hesitant to do so and will scrutinize your application to find a way to invalidate your claim and avoid paying benefits. So what can you do to make sure your claim makes it through the rigorous review process? Generally speaking, more evidence is always better. X-rays, CAT scans, MRIs, ultrasounds, and other test results can all serve as irrefutable evidence of a medical condition. If you can...
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Denied Disability Due to Change of Definition

Denied Disability Due to Change of Definition

As a 34-year old Collections Specialist in Fredericton, New Brunswick, Evan spent most of his day on the phone with people in tight financial circumstances. That made for a lot of awkward calls. In most cases, he could hear the anxiety in people’s voices as they tried to figure out how they were going to find the money to pay their bills, but he was good at navigating those conversations to find a solution that was agreeable to everyone. Of course, the regular talks with financially strained account holders still took a toll. Some of their stress inevitably carried over...
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Own Occupation vs. Any Occupation

Own Occupation vs. Any Occupation

Own Occupation In most cases when a claim is approved for disability benefits it will fall under the own occupation category, at least for the first few months up to approximately two years. This means that the claimant is unable to perform the specific occupation they had when they became unable to work. However, there are many nuances involved in establishing total disability during this period. Norwood on Life Insurance Law in Canada states, “Total disability in the legal sense does not require that the insured be incapable of all work activity, only that the medical...
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Share Lawyers are in Your Corner

Share Lawyers are in Your Corner

Here at Share Lawyers, we take pride in getting people the help they need and deserve. Simeon was denied long-term disability benefits while unable to work due to immobilizing arthritis. His condition made simple tasks nearly impossible. Simeon called us after seeing reviews online from other clients who we have had the privilege to help. While working with us, he felt secure, and was much more comfortable navigating his steps forward. We kept him updated every step of the way. “Share Lawyers are a dedicated, friendly and a professional group of people. Their commitment...
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Talking About Mental Health at Work

Talking About Mental Health at Work

It’s hard enough having mental illness, but the prospect of talking about it at work can seem almost too much to bear. While it’s usually straightforward to explain that you need time off for the flu, the stigma around mental illness makes it far more difficult to address symptoms of depression in a similar manner. One of our clients, Sandra, recently experienced this exact scenario. While Sandra’s depression is often controlled by medication and cognitive behavioural therapy, it can fluctuate during particularly challenging life events. Five years ago during a...
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Postpartum Depression – Is This a Disability?

Postpartum Depression – Is This a Disability?

When we think of a debilitating condition, we often think of something physical. As a result, mental illnesses often go unattended, ignored, maligned, and sometimes even brushed aside. But according to CAMH – the Center for Addiction and Mental Health – in a given year, 1 in 5 Canadians will experience some form of mental illness. By the time they reach the age of 40, it’s estimated that 1 in 2 Canadians have, or have had, a mental illness. Those numbers are staggering, and cannot be ignored. Postpartum depression is no exception, and, according to the...