Insurance Company Denied Benefits for an Eating Disorder

Cassandra had always been a very active person, having played varsity volleyball in university. Battling Anorexia was something Cassandra never saw coming. Cassandra’s team spirit extended into her work and social life, and she was always easy to get along with and generally very cheerful. By the time she was in her mid thirties, Cassandra had worked her way up to management at a major bank in Kingston. She led an active lifestyle, playing sports evenings and weekends.

Cassandra Began To Control Her Food Intake

One slippery day, Cassandra suffered a pretty serious ankle sprain when out for a run. Her doctor told her she needed to stay away from physical activities for a little while. Around this time, Cassandra’s father was diagnosed with cancer and she was commuting from Kingston to Toronto every weekend. They had a strained relationship and his illness was very stressful. Cassandra was feeling very overwhelmed and was afraid that she would gain weight since she wasn’t exercising. Cassandra began to avoid eating carbohydrates and felt comfort in knowing that one thing she could control was her food intake.

Cassandra’s weight plummeted in a very short period of time. Her co-workers noticed she either seemed irritable or sad, which was not untrue as she began to feel totally depressed. All of her stress and anxiety was focused on what she ate and the number on the scale.

Diagnosed With Anorexia Nervosa

She went to her GP who told her she was seriously underweight and diagnosed her with anorexia nervosa. Her doctor recommended she get treatment right way because she was at risk of doing serious damage to her heart and other organs. She referred her to the Homewood Health Centre’s Eating Disorder Program a voluntary inpatient program where she would receive treatment from a general physician, therapist, nutritionist, social workers, and a plethora of other professionals where she could heal in a community.

When she applied to her insurance for long term disability leave, she was denied on the basis that this was something she was doing to herself, and therefore was not entitled to benefits. Cassandra felt guilt, shame, and anger when she heard this. Her doctors told her that she was dealing with a mental illness that was threatening her life. Why didn’t the insurance company understand?

Cassandra Felt Support By Share Lawyers

Her mother saw an online advertisement for Share Lawyers a few weeks after Cassandra moved home. She booked an appointment and brought Cassandra. Understanding the urgency of her situation, the Share Lawyers team sent Cassandra to an eating disorders and mental health specialist to compile more medical evidence that Cassandra should be given long-term disability support. While the legal process was tiring and stressful, Cassandra felt supported by Share Lawyers. Even if she called three times in one week, they always returned her call.

After a challenging battle with the insurance company, Share Lawyers was able to get Cassandra the financial resources she needed to spend time getting well. We were so happy to help Cassandra on her way to wellness.

*All names and identifying details have been changed to protect the confidentiality of all involved.

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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.

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