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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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How To Help Loved Ones During COVID-19

How To Help Loved Ones During COVID-19

As the world adjusts to the new, albeit temporary normal of COVID-19, we are learning how to go about our daily lives while practicing safe self-isolation and adhering to proper social distancing standards. But what if you have a loved one with a disability that needs your help? There is no simple trick, but there are options that can help.  Grocery Delivery Services Major supermarkets have invaluable resources such as online grocery ordering either for pickup or delivery, depending on the location. Loblaws’ Instacart service, Longo’s Grocery Gateway, No...
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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...