I’m a welder. Lately I have been experiencing debilitating pain in my right shoulder, which I had injured at work 15 years ago, and I can no longer perform the duties of my job. My doctor diagnosed me with osteoarthritis in my shoulder and said the injury may have contributed to its development. Should I make a claim to WSIB at this point, or to my long-term disability insurance?
If you have been able to work for many years after a work-place injury, it may be very difficult to make a claim to WSIB so far after the fact. If you had a prior WSIB claim related to this condition, you should consult with a WSIB expert to determine whether there is any possibility of re-opening your WSIB claim. With respect to claiming LTD, you should definitely pursue both STD and LTD if they are available to you as generally, the insurance company would not be able to deny your claim solely on the basis that it may have been caused by an injury in the workplace from many years ago. Most disability policies don’t allow the claim to be denied based on the “cause” of the disability.
Was your question answered? Yes
Other Similar Questions
How bad does my depression have to be to qualify for disability benefits?
I was fired from work because I have frozen shoulder and could not type for extended periods of time. My employer did not try to accommodate me at all. Now my long-term insurance company says that I am ineligible for benefits because I am no longer an employee. What are my options?
Can I, or my family members, sue for pain and suffering?
DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!
This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.