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IN PERSON:

Jim Brooks

LTD Denied for

Non-Compliance

Forty year old Jim Brooks was not a

stranger to hard work. A foreman at a

cement mill operation, he had been

working in construction since he was

eighteen. His wife was an elementary

school teacher, working during the

day while Jim worked afternoons and

evenings. It was sometimes difficult to

see each other, but they were working

towards Jim switching to the day shift to

make things easier at home as their two

children grew older.

Unfortunately, with such a busy

schedule, Jim often ate fast food or

ready-to-go meals while on shift, saving

dinner leftovers to eat during the day.

As the afternoon shift didn’t end until

11:00pm every day, Jim would come

home and go straight to bed, which

wouldn’t leave him much time during

the day to get much exercise outside of

work. Jim was also a chain smoker who

was trying to quit.

The long hours, less than optimal sleep,

and stress from work had taken its toll on

him. Jim had already had a heart attack,

and had gone through a battle with

cancer. At the advice of their doctors,

Jim and his wife started a joint diet to

help both of them make better choices

and support each other along the way.

However, Jim remained stressed the way.

However, Jim remained stressed

about providing for his family and

continued to push himself to work long

days and weekend overtime. Before Jim

knew it, he was in the hospital again. He

had had a second heart attack, which

had been stress-induced. He was off of

work for the foreseeable future, and the

doctor told him that he would have to

completely change his ways to make sure

his heart didn’t fail him again. Work, it

seemed, was out of the question.

Jim had benefits through his job, and so

he went on short-term disability benefits,

but found himself very weak and had

difficulty being active for more than a

few hours at a time.

Jim worried about his family when his long-

term disability benefits were denied.

ISSUE 21, AUTUMN 2011 INSPIRATION HALLOWE’EN IN PERSON, Continued DID YOU KNOW Finding the Right Treatment ASK A LAWYER Treatment! Nothing Helps! FALL FAVOURITES From the Share Lawyers Team YOU SAID IT! Comments from Actual Clients

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ISSUE 61, NOVEMBER 2015

Call (416) 488-9000 for your free copy of Disability Benefits Denied: What To Do When The Insurance Company Denies Your Disability Claim. FRE DISABILITY BOOKLET SETTLEMENTS We have recently settled cases with: Allstate BMO Life ACE Group Canada Life State Farm, and many more