A large percentage of the disability insurance claims that are denied across Canada are claims for mental health conditions. In fact, a large percentage of all disability insurance claims are made by those managing symptoms of mental illness. Mental health issues are connected to the majority of claims based on physical disabilities, and no one seems to be immune from the wide variety of conditions and symptoms encompassed under the term mental illness.
Because mental health issues are so pervasive in society today, it’s important to continue talking about how these invisible disabilities are impacting those managing the symptoms, their friends and family, and especially the rights of those who can no longer work due to new or worsening symptoms.
May 2-8, 2022 is the Canadian Mental Health Association’s 71st annual Mental Health Week. To do our part in continuing to raise awareness in an attempt to decrease stigma, we’re sharing our experience and knowledge around why so many LTD benefit claims for mental health are denied.
Why Are Invisible Disabilities So Often Denied LTD Benefits?
Insurance companies have many typical methods to deny mental health claims. Workplace stress, major depressive episodes, anxiety, and post-traumatic stress disorder (PTSD) are a few of the most frequently cited conditions that form the basis for disability insurance claims. But why are these types of claims so difficult?
Often this is because the symptoms are “invisible” - they don’t show up on an x-ray, MRI, or other types of medical tests. These conditions can also be more difficult to treat than many physical conditions. Insurance companies like to focus on the lack of appropriate medical treatment or the failure to obtain any treatment as a reason for an immediate denial. Finding support and treatment for mental health can also be more complicated than it would be for physical disabilities, as some treatment is not covered by health benefits, and there remains an unfortunate stigma around seeking both talk therapy and/or medical treatment.
The fact is that physical and mental conditions, though both disabling, need to be measured in different ways, as they are treated differently by society, the healthcare system, and the insurance companies.
The Claims Process Can Be Frustrating
Many people applying for the long term disability benefits that they deserve are not at their best – they are often managing serious and painful symptoms and are worried about their health and future income. Once an application for long term disability benefits has been submitted, the insurance company will often look for technicalities to make obtaining benefits as difficult as possible.
Even the most thoroughly and accurately prepared applications for disability benefits can be met with a common denial for the reasoning that the information provided is not sufficient to establish entitlement to disability benefits. For those living with the symptoms – this could not be further from the truth.
In addition to this, the insurance companies often ask for forms to be filled out and to additional information to be provided repeatedly, sending you in circles. This is incredibly frustrating when you’re already going through so much.
In the face of repeated requests for more information and the rejection of your claim, contacting an experienced disability claim insurance lawyer may be your only recourse. Insurance companies know that they can take advantage of individual people but will give in more easily when there are lawyers involved.
Please remember that no matter how hard it may seem, support is out there. When it comes to the long term disability benefits that you deserve, our experienced long term disability lawyers can help take on your case.
Associate Lawyer Janice Grevler discusses why mental health claims should meet the insurance company’s definition of disability.
If you have had your claim for long term disability denied,contactthe long term disability insurance lawyers at Share Lawyers. Our 35+ years of experience in long term disability (LTD) law 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.
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.