Share Perspectives : Issue 44, June 2014 - page 1

IN PERSON:
Vera Karlova
Major Depressive
Disorder Claim
Rejected
Vera Karlova’s life-long depression came
to a head when she graduated from her
Masters Program at the age of 29 and
began a stressful career in Public Relations.
When her depression began to affect her
ability to work, she made the responsible
choice to take sick leave to receive medical
treatment; however, when she applied
for disability benefits through her group
insurance coverage in order to start her
road to recovery, she was denied.
A HECTIC LIFESTYLE
While Vera was able to function with
her depression for many years, the long
hours, extensive travel and tight deadlines
associated with her job began to take
its toll on her health. She developed
insomnia, which, in turn, caused chronic
pain throughout her body and cognitive
dysfunction.
NO SUPPORT SYSTEM
Vera had left her hometown of Winnipeg,
Manitoba, for Toronto to give her career a
head start. Being away from her family and
friends made Vera feel lonely and hopeless.
Her family doctor was helpful in keeping
Vera’s spirits up while she was put on a
waiting list for a psychiatrist. Her doctor
also helped her complete her long-term
disability application.
INSURANCE COMPANY
REQUESTS MORE EVIDENCE AND
WITHHOLDS BENEFITS
Vera received a letter from her insurance
company after weeks of waiting. She was
hoping the letter was her first disability
cheque, but when she opened the enve-
lope, she read the unpleasant news—her
claim had been rejected. She was not going
to receive benefits until she provided more
medical evidence to support her family
doctor’s diagnosis of Major Depressive
Disorder. Unfortunately, Vera’s appeals
were met with similar denials and requests
for further evidence. At this point, she was
not only battling her depression, she was
battling with a very powerful insurance
company for the benefits she felt were
rightfully hers, with very little savings in her
bank account to survive.
Vera was disheartened when her insurance
company denied her claim for LTD coverage.
ISSUE 21, AUTUMN 2011
THIS ISSUE
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Call (416) 488-9000 for your
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Denied: What To Do When The
Insurance Company Denies
Your Disability Claim.
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ISSUE 44, JUNE 2014
SETTLEMENTS
We have recently settled cases
with:
Industrial Alliance
Equitable Life
Manulife
Sun Life
Desjardins and more
1 2,3,4
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