LTD Benefits Revoked After Trip Surveillance
For Charlie, time away from work was hardly a vacation. He had been forced to stop working as the front desk concierge at a condo building in downtown Calgary, and his condition was yet to improve more than a year after filing a long term disability claim. His doctors had diagnosed him with arthritis – their expertise had allowed him to get his claim approved – but so far they hadn’t found a way to reduce his symptoms.
Until then, there was simply no way he could even consider going back to work. On most days, he could barely make it downstairs without suffering excruciating pain. The thought of doing the rounds at a high rise condo was unthinkable with or without an elevator, and the stiff chairs and long overnight shifts didn’t sound much better.
Charlie would have been miserable if not for the assistance of his family. His wife and children – and in particular his daughter – brought him groceries and took care of many of his day-to-day needs. Charlie hated relying on other people, but their support was invaluable as he worked to regain his independence.
That’s why he didn’t think twice about getting on a plane for his daughter’s destination wedding. The date had been picked and the tickets booked two years in advance, long before Charlie’s disability claim, and he would never let a bit of arthritis keep him from celebrating such an important day with his family. When the time came, Charlie managed to get himself onto the plane and made it to the resort in the Dominican Republic.
Sadly, Charlie couldn’t enjoy the trip as much as he originally hoped. His pain kept him away from most of the amenities and he spent much of the day confined to his hotel room, where he watched the same TV shows he typically watched at home. Thankfully, the ceremony itself was beautiful, and he did get to spend a few days lying on the beach instead of a hotel bed.
However, Charlie never imagined a beach vacation could make his problems so much worse. The insurance company found out that he had been to the Dominican after family members posted the wedding photos on social media, many of which featured a smiling Charlie.
They immediately terminated his disability benefits, telling him that if he was healthy enough to go on a tropical vacation, he was healthy enough to work. They ignored Charlie when he told them he’d actually spent most of the week in excruciating pain and that he was only in the Dominican for the sake of a once-in-a-lifetime family event.
Needless to say, Charlie was distraught. He still couldn’t work and he didn’t know how he was going to keep his life together without his disability benefits. The whole thing felt patronizing and unfair, as if he was being punished for celebrating with his daughter.
That’s when his family came through for him once again. His daughter saw an ad for Share Lawyers on TV and Charlie decided to put in a call, if only because he didn’t know what else to do.
He was thrilled when Share Lawyers told him they could help to get the disability benefits he was entitled to, going back to when he was cut off and into the future. He met with the team and they quickly went to work collecting medical documentation and sifting through his insurance company’s policy on taking a vacation while receiving benefits. The lawsuit was filed, and Share Lawyers was able to get Charlie his benefits and back to focusing on the road to recovery.
Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We have recently settled cases against Great-West Life, Desjardins, Manulife, RBC Insurance, Sun Life, and many more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.
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A note from our long term disability lawyers
Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.
If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.
Our Disability law firm knows what you have been going through
We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.
Our experienced disability lawyers can fight back on your behalf
Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.
If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.
Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.
In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.