John, 50, lives just outside of Winnipeg, Manitoba, where he’s employed as a Production Supervisor in the resource space. Although he makes a good living, he suffers from severe depression which has made it difficult for him to function. Overwhelmed and unable to deal with his depression, John has resorted to drinking alcohol at work to get through the day. He keeps telling himself he needs to seek professional help instead of making the situation worse by drinking, but his shame has prevented him from making the right decision.
One day at work, John’s supervisor caught him sipping from a liquor flask and confronted him. He insisted John stop working and seek help immediately. John was so grateful that he wasn’t fired, he immediately went home and made an appointment with a psychologist. The psychologist was kind and sympathetic and suggested an inpatient rehab program. John also applied for and received short term disability benefits from his workplace. He was relieved to finally be able to focus on getting better instead of worrying about work.
Unfortunately, the waiting list to be approved for the rehab program was long which meant John would have to wait several months before he could start the program. He applied for long term disability benefits and was devastated when his disability claim was denied. His insurance company told him that he must actively be attending the rehab program in order to qualify for long term disability benefits. They insisted that in the meantime, he was more than capable of returning to work. Feeling hopeless, John sought the advice of a long term disability lawyer at Share Lawyers after he saw them in a Facebook ad.
Rehabilitation Programs and Access
Participation in a rehabilitation program or staying in a rehabilitation facility is something many insurance companies require in order for applicants to qualify for disability benefits. Unfortunately, rehab programs have waiting lists ranging from a few months to a year. Finding a rehab program can be even more difficult for those who live in rural areas.
Share Lawyers video: Will rehab help your case?
Even if someone suffering from addiction demonstrates their desire to be enrolled in rehab and their doctor has recommended it, they often cannot get access to the program quickly enough. When an insurance company reviews a disability benefits claim for addiction and the applicant isn’t already in rehab, it can often result in an automatic denial.
Share Lawyers Is Here To Help
Here at Share Lawyers, we represent a large number of clients who have addictions and 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. Most policies contain time limits that can be difficult to interpret and so as soon as your claim for disability benefits has been denied, we would encourage you to contact our long term disability lawyers to discuss your long term disability benefits case to see if we can be of assistance to you and your family
If you have had your claim for long-term disability denied, contact the long-term disability insurance lawyers at Share Lawyers. Our experienced team of long-term disability (LTD) lawyers can help. We have recently settled cases against Canada 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.
Denied your long term disability claim?
Contact Share Lawyers today and put our experience to work for you. Our 35+ years of experience can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. We offer free consultations and there are no fees unless you win your case. Join us on Facebook and become a Top Fan for a chance to win each month.
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.