Claim Denied for Client with Fibromyalgia
People suffering from Fibromyalgia experience debilitating pain that prevents them from performing even the simplest task. Since every day life becomes a constant struggle, victims will often rely on insurance benefits as they learn to manage life with a chronic illness; however, "claim denied" is not what they expect to hear from their insurance company.
Stacey, a 45-year-old teacher, led a physically demanding life throughout her career. She trained and practiced as a nurse for years before making the transition into teaching. Becoming a highschool teacher was a rewarding moment for Stacey. Harboring an unparalleled love for education and working with adolescents, she believed teaching to be her true calling.
However, Stacey suffered from chronic pain her whole life, and her symptoms included intense muscle strain. As she aged, she began to experience migraines and severe fatigue more frequently. When she got a second opinion from a new doctor, she was diagnosed with Fibromyalgia.
In 2014, Stacey’s pain became so intense that it began to interfere too heavily with work, so she decided to take a leave. Her years of fulfilling her passion for teaching came to an abrupt end.
Change of Definition
Stacey received excellent benefits through her teachers union. She was approved by the insurance company to collect disability as she managed her Fibromyalgia. After paying benefits to Stacy for two years, the insurance company argued that there is a change of definition. They were going to cut her off because they believed that she could work in a different career.
Stacey knew this wasn’t true - between her migraines and muscle pain, it was exhausting for her to get through the day or perform any type of work. To prove her diagnosis, she went back to her doctors for additional tests and medical examinations. Every doctor she saw concluded that she could no longer work as a teacher or in any other field.
Stacey appealed the insurance company’s decision using the new medical information from her doctors. Yet again, the insurance company denied her claim.
Stacey called her union, requesting they help her get her benefits back. After six months had passed, nothing had changed and no attempts were made to assist her. She didn’t know what to do and it seemed like nobody wanted to help.
One afternoon, Stacey saw a Share Lawyers commercial on TV. Even though she was feeling doubtful, she decided to call the office and give it a shot.
To her surprise, Share Lawyers successfully took over her case from the union. They worked in tandem with her medical professionals to develop a strong case, which they successfully settled.
Thanks to Share Lawyers, Stacey received a favourable settlement and now can focus on managing her Fibromyalgia. She is extremely grateful that she can spend her time on what matters most in her life, rather than wasting energy and finances fighting an insurance company.
*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.