ISSUE 30, MARCH 2013

SHARE PERSPECTIVES

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Disability Benefits Denied:
What To Do When The
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Your Disability Claim

Ethel & James

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IN PERSON: CALLUM QUINN, MINER

Twenty-three years ago, Callum Quinn moved to Canada from Ireland as a young man in search of work. His search led him to Sudbury, Ontario, where he secured a job as a miner.
It wasn´t his dream job and it wasn´t an easy job by any means, but it paid a good salary.

OCCUPATIONAL HEALTH HAZARDS

Callum suffered numerous, though minor, injuries throughout his mining career, but he counted himself lucky compared to his workmates -- he had never broken a bone or been hurt in an explosion.

Callum, however, was not one to test his luck. In addition to the coverage provided through his union, he purchased a private “own occupation” policy in case illness or injury prevented him from working.

TROUBLING SYMPTOMS

It was not until Callum reached his 50s that he began to feel the effects of years and years of toiling underground, exposed to dust, gas and chemicals. He had chest pain, difficulty breathing and felt weaker with each passing day.

Callum finally visited his doctor, who immediately ordered a chest x-ray and other tests. The tests revealed lung cancer.

Ethel & James

INSURER TRIES TO BARGAIN

As Callum prepared himself to start cancer treatment, he knew it was time to make use of his insurance coverage. He filed a claim with his group insurance and was approved.

His private insurer, on the other hand, came back with a denial and a proposition -- they were willing to immediately refund the premiums and provide one year´s worth of benefits in a lump-sum if he was willing to drop his claim and walk away.

Callum was tempted to accept the insurer´s offer because he was too intimidated to fight back, but his doctor suggested Callum speak with Share Lawyers before making such an important decision.

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