ISSUE 36, SEPTEMBER 2013

SHARE PERSPECTIVES

FREE DISABILITY
BOOKLET

Call (416) 488-9000
for your free copy of
Disability Benefits Denied:
What To Do When The
Insurance Company Denies
Your Disability Claim

Ethel & James

scan with your
smartphone to
be directed to
our website

IN PERSON: Samuel Rosenberg Nurse with Anklyosing Spondylitis Denied Benefits; Insurer Says "Not Totally Disabled"

When severe back pain halted Samuel Rosenberg's 16-year nursing career, it left him with no other recourse than to apply for long-term disability benefits through his insurance plan. When his insurance company responded to his claim with a resounding "no," he contacted Share Lawyers for help.

PAINFUL PHYSICAL LIMITATIONS

Samuel had ankylosing spondylitis, which caused inflammation, pain and stiffness in his lower back and prevented him from performing the physically demanding duties of his job. He could no longer lift and transfer patients or stand on his feet for those long 12-hour shifts that were so easy to do when he was in his thirties.

Now, at 49, Samuel had to listen to the signals his body was giving him and to what his rheumatologist had strongly recommended – he had to stop working.

INSURER CHALLENGES CLAIM

Samuel first applied for, and received, shortterm disability through his group benefit plan. His long-term claim, however, was not processed as quickly. The insurer's endless requests for more medical information continued to delay Samuel's claim.

Kim family

Months went by without a decision. Samuel was forced to borrow from family to make ends meet.

Finally, after seven months complying with the insurance company's requests, they came back to Samuel with a final decision— he did not meet their definition of total disability and would not receive benefits.

DECIDING TO SUE

Samuel had a sick feeling that the insurance company was playing games with him, but this was his life and he wasn't going to take "no" for an answer. He had heard about Share Lawyers through a doctor at his hospital, and knew they had helped countless patients win back their denied insurance claims, so he decided to call.