Frustrated With An Insurance Company: How to Support Your Patients With Their Disability Claim
Sarah, 38, has been seeing her family physician, Dr. Pham, regularly over the last few months for symptoms of Lyme Disease. Although Sarah is slowly improving, she thinks she had the illness for about two years before she was properly diagnosed, so her recovery has been slow. As a physiotherapist. Sarah spends a lot of time on her feet at a clinic. Due to her symptoms, including chronic pain and nerve damage, it has been increasingly more difficult for her to go to work.
What is Lyme Disease?
Lyme Disease is an illness caused by the bacteria borrelia burgdorferi that is spread through the bite of certain types of ticks. It has been present in Europe, Asia, and much of North America and is rapidly increasing in Canada. Individuals with Lyme disease face many challenges.
The disease may initially cause inflammation, rash, fever, chills, and swollen lymph nodes. If left untreated, Lyme Disease can cause chronic muscle and joint pain, arthritis, extreme fatigue and neurological, and cardiac disorders. Since tick bites are typically painless, many people may not know they have been infected until symptoms are present. If they are fortunate, their treating physicians will run the appropriate tests.
Lyme Disease Is Often Hard To Diagnose
Why does misdiagnosis happen? Often, physicians don’t know what they’re looking for. Symptoms can resemble the common cold or severe flu within the first several days of a bite and, contrary to popular belief, not everyone gets the telltale bullseye rash around the initial bite area. In fact, less than 50% of people with Lyme disease ever develop a rash, which many people use as a primary tool for diagnosis.
Diagnosis is made increasingly more difficult thanks to the long list of Lyme disease symptoms, all of which can occur over long periods of time from days to months and even years, These include but are not limited to unexplained hair loss, mild or severe headaches, seizures, facial paralysis, eye pain or swelling around eyes, oversensitivity to light, ringing in the ears, diarrhea, stiffness of the joints, and even shortness of breath.
There are well over 50 different possible symptoms of the disease, making it nearly impossible to diagnose for those who may not know what to look for. Everything can be made more complicated when the test results come back as false negatives. Additionally, since many of the symptoms are difficult to see visually, Lyme Disease is often considered an “invisible disability.”
Video: What’s An Invisible Illness
Frustrated By Insurance Companies
Sarah has group benefits through work and applied for long-term disability benefits while she was receiving treatment from Dr. Pham and recovering from her symptoms. However, Sarah’s insurance company has continued to deny her disability claims. The insurance company insists that Sarah does not have Lyme Disease and so they will not approve any long-term disability benefits.
As a result, Sarah has had to return to Dr. Pham several times so he can keep rewriting details about her medical information for the insurance company. Dr. Pham is frustrated and doesn’t know what to do to help Sarah. He is upset on her behalf because he feels like the insurance company is not respecting his diagnosis and approving her long-term disability benefits.
Dr. Pham thought that perhaps a disability law firm could help Sarah. He found out about Share Lawyers through a colleague and immediately referred Sarah to one of the disability lawyers there. They agreed to take Sarah’s case, which made her happy. She finally feels like there is some positive action. She knows that it will take time and that she needs patience, but she also knows that in the end, she will be able to get the benefits she deserves.
How You Can Help Your Patients With Denied Disability Claims
Many cases for denied disability claims can take over a year to be resolved, which means your patient is suffering through not only the ailment itself but also with the added stress of fighting with the insurance company.
More often than not, the patient keeps returning for help that you may not be able to provide, and the time arrives when the best thing you can do is refer the patient to someone that can actually help. The easiest way, is to refer the patient to a disability law firm with experienced long-term disability lawyers who can help support your patient during this difficult time in their life. That’s where Share Lawyers can help you.
At Share Lawyers, we have been focusing on Disability Law for over 30 years. We understand that the legal battle is not the only battle that the patient is fighting; they are also fighting a personal battle that is uncompromising. Refer your patients to a disability law firm that truly understands what the disability fight is all about, a firm that as part of our Life ReBuilder program, they make numerous patient resources available to help clients through the entire case with support and a faster success rate.
How Share Lawyers Can Help Your Patients
When you refer your patients to Share Lawyers you don’t have to deal with the patient time after time on your own as they battle with the insurance company over denied disability claims. You immediately give them access to multiple resources that will support the patient on numerous fronts, including multiple disability lawyers (not just one), additional medical resources that can help to verify and validate the disability claims, financial resources, plus a network of recommended support services and trusted physical and mental health therapists, all within a streamlined workflow that is built to accelerate the case progress.
It’s called Life reBUILDER™, exclusively from Share Lawyers. It offers unique add-on services to help rebuild a patient’s life and get them back on track. That is why we are truly different from other disability law firms.
Life reBUILDER™ offers much more to your patients than a long-term disability lawyer.
For more about Life reBUILDER™, please visit us at sharelawyers.com/our-vision
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.
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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.
