Ask a Lawyer - Gambling Addiction and LTD
Being denied a disability insurance claim while suffering from a gambling addiction is a difficult time. It often raises a lot of questions, with many sufferers wondering what they should do next. Share Lawyers is here to help navigate gambling addiction and LTD.
Below is some specific information about disability claims and gambling addiction.
Gambling Addiction and LTD
Q: Can an insurance company demand a second Medical opinion on my disability claim for my gambling addiction?
A: Disability insurance policies often allow an insurance company the right to have a doctor of their choice conduct their own medical assessment.
Q: What type of documents do insurance companies request during a medical disability appeal for gambling addiction?
A: If you are appealing a denied disability claim, your insurance company has likely requested additional information to support the claim. Often they will not even consider your appeal unless you provide them “fresh evidence”.
As part of your original application, you and your doctor would have filled out forms. In most cases, your primary physician would have also provided their clinical notes and records.
For an appeal, you should also submit up to date clinical records, the records from any hospital or specialists you have attended, and copies of any diagnostic tests you have undertaken.
However, a narrative report from your specialist or primary physician is often the best evidence for an appeal. That report should contain your diagnosis and the physician’s opinion on your disability, as well as additional information, such as:
- a thorough treatment of your symptoms
- how symptoms affect your functionality both in and out of the workplace
- the treatment you are undertaking
- if available, your prognosis into the future
However, appeals are often unsuccessful and can take many months. In some cases appealing on your own can actually damage your claim because you may inadvertently give too much information. If your claim has been denied, we would encourage you to seek legal advice as soon as possible.
Q: I feel that my insurance claim for my gambling addiction treatment is necessary for my recovery and ability to go back to work. What do I do?
A: If you believe that your insurance company has wrongfully denied your claim for long term disability benefits, or even if you are simply unsure of the reason your benefits were not approved, you should immediately seek legal advice. An experienced disability lawyer will ensure that you are fully aware of your rights and can challenge the insurance company’s decision as soon as possible.
Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.
Find out if you have a disability case.We have recently settled cases against Standard Life, Desjardins, Manulife, RBC Insurance, Sun Life, and much more. We love hearing feedback from our clients, so please share your own experience with us.
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.