Share Perspectives : Issue 46, August 2014 - page 3

These Facts About Liver
Return-to-Work Programs
& Consultations
ISSUE 46, JULY 2014
The liver is the largest internal organ in humans.
The liver performs over 500 different functions,
including cleansing blood, fighting off infection,
neutralizing toxins, manufacturing proteins and
hormones, controlling blood sugar and helping to
clot the blood.
One in ten Canadians has some form of liver
A common belief is that every person diagnosed
with liver disease is an alcoholic. That is simply
not true. While cirrhosis of the liver can be caused
by alcohol consumption, there are over 100 other
forms of liver disease caused by other factors such
as diabetes, cancer, viral hepatitis, autoimmune
disorders and genetics.
Fatty liver disease, most often caused by obesity,
is currently the leading type of liver disease in
Men and women of all ages, from infants to seniors,
may suffer from some form of liver disease.
The first liver transplant performed in Canada was
in 1970 by Dr. Pierre Daloze in Montreal, Quebec.
The liver is the only organ that can regenerate
itself, making it possible for a living person to
donate part of their liver to another person.
Depending upon the type of liver disease and
its stage, treatment may include medications,
special diets, lifestyle changes or, in cases of severe
advanced liver disease, a liver transplant.
Source: The Canadian Liver Foundation
Can my insurance company deny my LTD claim
because I refused to participate in a return-to-work
The short answer is yes, as this can be deemed to be
non-compliance with the terms of the policy (subject
to the terms of the specific policy in question). If your
medical condition precludes a return to work at the
present time and this is supported by the medical
evidence, then a denial on this basis can be disputed
and you should consult a disability lawyer to discuss
your specific circumstances.
Can a friend or family member accompany me to a
free consultation to speak with one of your lawyers?
: Yes, provided that this is someone you wish to
attend, in most cases this would be permitted.
If you have filed a claim for long-term disability
benefits through your group or private insurance
company, you will have been assigned a Claims
Manager, also known as a Case Adjuster or Case
Manager, who is your point-person for your claim. To
help ensure that your claim is assessed fairly and in a
timely manner, keep these four facts in mind during
all interactions with your Claims Manager:
1. Your Claims Manager is not your friend.
They may seem concerned about your well-being
and ask very personal questions about your health,
lifestyle and occupation, but it’s not because they
care about you. Your Claims Manager works for the
insurance company, and it’s their job to protect the
insurance company’s bottom line by paying out on
as little claims as possible. The next time your case
manager asks you prying questions about your
health, remember that they are looking for reasons
to deny your claim. This brings us to our second
4 Facts You Should Know About
Your Insurance Claims Manager
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