Why Would the Insurance Company Deny Benefits for Concussion, Migraines, & Vision Problems?

Amina truly had it all. After college, Amina landed her dream job as a physiotherapist and met a wonderful partner and started a family. Now, at 35-years-old, Amina was just as happy. She liked getting up every day to help people with physical difficulties and pain, and she loved coming home to her amazing family.

The Moment That Changed Everything

Getting out of the shower at home, Amina slipped and fell on the wet floor, hitting her head. It hurt a little, but Amina got up and went to work anyway. Later that day, Amina was dizzy, lightheaded, and her vision began to blur; there was no way she would be able to treat the rest of her patients. Without hesitation, Amina called her husband and had him bring her to the ER. Here, the physician told her that she had experienced a severe concussion. All of this meant a minimum of 6-8 weeks off work to avoid further complications. Amina was crushed. She hated to abandon her patients, but more than that: how could she possibly support her family if she stopped working?

Rest, Recuperation, and Recovery

Lucky for Amina, she was quickly approved for her disability benefits, and the financial support allowed her to take the time she needed to recover from her unfortunate accident that resulted in migraines. After 12 weeks of rest and recuperation, Amina felt ready to get back to her patients. Amina wanted to start slowly, with just a couple of days a week, but her supervisors were eager to have her back on the job to meet the demands of her clients.

Very quickly, Amina learned that her accident was still having residual effects on her body - migraines and vision problems. Often, Amina’s vision would blur and some objects would take several seconds to come into focus. Amina found herself having debilitating migraines that prevented her from treating her patients to the best of her ability. Most upsetting of all, Amina found herself finding it hard to find and say the right words when she communicated with her colleagues. She worried about the future.

Wrongfully Dismissed

A few weeks after her return, Amina’s supervisor informed her that she was being let go. The company felt that Amina was no longer able to perform the duties of her job, so they offered her two weeks of termination pay and asked her not to return. She had been working at her job for years and knew that she deserved more severance.

Amina was devastated that this was happening. Then Amina called her disability insurance to re-apply for her benefits. She was denied on the basis that she was able to work. She knew that this was not true.

How Share Lawyers Helped

With nowhere left to turn, Amina quickly booked a free consultation with Share Lawyers. A family friend had used their services before, so Amina knew that the firm had years of experience helping others in similar situations. Immediately, the team at Share got to work compiling a strong case against Amina’s insurance company and former employer. The Share team, including a team of disability lawyers and employment lawyers, empathized with Amina and cared about the details of her case. Amina’s lawyers were careful not to overwhelm her with unnecessary paperwork and forms. It took some time, but Share Lawyers negotiated a fair and substantial settlement on Amina’s behalf for both the disability claim and her wrongful dismissal. After the case was settled, Amina was able to find another physiotherapist position part-time, which gave her more time to recover from the accident.

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. Toronto is home to the Share Lawyers office, but we have helped people all across Canada. 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.