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ISSUE 21, AUTUMN 2011 HOLIDAY WISHES From the Share Lawyers Team IN PERSON, Continued YOU SAID IT! Quotes from Actual Clients

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ISSUE 62, DECEMBER 2015

Call (4 6) 488-9000 for your free copy of Disability Benefits Denied: What To Do When The Insurance Company Denies Your Disability Claim. FREE DISABILITY BOOKLET SETTLEMENTS We have recently settled cases with: Blue Cross Manulife SSQ TD Life UL Mutual Liberty Health Clarica, and many more

IN PERSON:

Ashley Strong

MS - LTD Denial

Forty-three year old Ashley Strong was on

top of the world. She had found her dream

job in publishing, had an apartment in

the city and an active lifestyle, Ashley was

looking forward to the holiday season and

a bright future.

On top of the long hours at work, Ashley

also ran in long-distance marathons. It

was during one such marathon that

Ashley noticed she was getting dizzy, and

incredibly tired. This had happened to her

before in races, but this episode seemed

more severe.

SYMPTOMS CONTINUE

Several days later, Ashley woke up to more

dizziness and fatigue. This was unusual, as

she usually got over the dizziness in a few

days. It was partway through the day when

she realized she was having trouble seeing,

and her arms felt like she had pins and

needles all the way down. She booked an

appointment with her doctor, and they did

some tests.

She was then sent to a neurologist for

more testing. Several months went by and

when the test results came back, Ashley

sat stunned as the doctor relayed to her

that they suspected that she might be

suffering with Multiple Sclerosis, or MS. She

had heard of it, but , she was in a state of

disbelief. The lingering symptoms she had

been experiencing were severe enough to

prevent her from

being able

to do her job

in an effective manner and so, reluctantly,

she decided she had no choice but stop

working and apply for her disability

benefits. The short-term disability benefits

were approved. She developed some

additional symptoms including problems

with coordination, tremors, issues with

concentration, and depression. Ashley then

wanted to apply for long-term disability

benefits. Her specialists were still not 100%

sure of the diagnosis, but all signs were

pointing to MS.

LONG TERM DISABILITY DENIED!

Ashley’s long-term disability claim was

denied even though she was experiencing

some symptoms. Firstly, the insurance

company’s review of the medical

information claimed that a definitive

diagnosis of MS was not established, and

secondly, the symptoms were not so severe

to prevent Ashley from being able to do the

essential duties of her job.

Ashley was shocked when her LTD benefits

were denied after an MS Diagnosis.