Insurance Claim Denied While Living With Unexplained Chronic Pain

Our client, the plaintiff, worked as a bank teller for many years in Little Italy in Toronto. Being on her feet all day never bothered her because she wore sleek comfortable shoes and always stayed active. She loved her morning walk to work. She never dreamed she would have an insurance claim denied.

Insurance Claim Denied to Bank Teller With Chronic Pain

Chronic Pain Started

After Christmas two years ago, she started to notice that she was feeling fatigued almost all of the time. When she started suffering from headaches, she stopped her caffeine intake. But the headaches didn’t go away. She then began to notice her hands and feet were numb or tingly and she would ache all over for what seemed like months at a time.

Our client spoke with her doctor who told her she just needed to try to get more rest, so she took six months off to recover. Although there were less lights and loud noises at home to trigger a headache, her symptoms worsened. She developed irritable bowel syndrome and when she wasn’t in pain or completely exhausted, she felt foggy and found it hard to hold a conversation.

She could not go back to work. Her doctor had become quite concerned about her physical state and was working to complete a series of tests to rule out Lupus and Multiple Sclerosis. He was fairly confident when the diagnosis pointed to fibromyalgia.

Insurance Claim Denied

Our client’s application for long-term disability was denied. The insurance company conducted an IME (Independent Medical Exam) wherein they decided her symptoms weren’t deemed serious enough to meet their definition of disability. They claimed she could work in another capacity.

She had always believed the insurance that her employer provided would be there for her if her health ever failed. But when the time came, she was left in the dark.

Our client’s physician strongly disagreed, and, with help from her family, she was referred to Share Lawyers. We worked with her to sue the insurance company on the grounds that they did not take her symptoms into consideration or the fact that, in agreement with her family doctor, and her specialist she was unable to return to work.

After mediation between Share Lawyers and the insurance company, a settlement was awarded to our client and she was able to take the time to treat her illness.

*All identifying details have been changed for confidentiality purposes.

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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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