Schizophrenia and bi-polar disorder are disabling mental conditions. These conditions affect a persons mind, character, personality, and ability to function. If someone is suffering from one of these conditions, they may be unable to work or maintain employment.
Schizophrenia is a chronic brain disorder. Generally, symptoms of schizophrenia fit into three categories, positive, negative, and cognitive symptoms. The most common, positive symptoms involve unusual thoughts and perceptions such as hallucinations and delusions. Negative symptoms represent a decrease in the ability to plan, speak, or control emotion. Cognitive symptoms affect attention and memory. While the precise symptoms may vary, schizophrenia presents great difficulty for people with the disease.
Bi-polar disorder, also known as manic-depressive illness, is characterized by extreme mood swings. With bi-polar disorder, a good mood is euphoria. While your mind is racing and you are unable to concentrate, you feel like you don't need any sleep and you can take on the world. You may engage in shopping sprees or experience an increase in sexual energy. A bad mood is equally extreme. You may feel anxious, meaningless, or completely empty. You may experience a total absence of happiness or loss in things that used to bring you pleasure, including sex. It is during these depressive periods that people may attempt suicide.
In addition, in the context of disability claims, there is the difficulty of convincing the insurer that these illnesses are disabling.
Share Lawyers represents a large number of Toronto area clients who have been denied benefits under either a group disability insurance policy or a private policy. These cases are usually heavily dependent on obtaining the necessary medical evidence to prove the disability in a way contemplated by the policy in question.
At Share Lawyers we have extensive experience in handling cases involving individuals who have been diagnosed with Schizophrenia and Bi-Polar Disorders. We understand the patience and compassion that is needed to handle such a case, together with the need for sound legal advice. When you are suffering from these symptoms you are not at your best, and need the steady, compassionate advice of experienced lawyers to assist you in navigating your way to a fair and equitable resolution of your disability insurance claim.
We would encourage you to contact us to consult further about your claim, to see if we can be of assistance to you and your family.
There are time limits to all chronic pain disability claims and any delay in proceeding may be subject to a deadlines. You should not delay in proceeding with your claim or obtaining legal advice to clarify these deadlines.