Paying for Expensive Medication: What Will I Do?

Developing a serious illness, injury or disability is not only a difficult diagnosis to handle- but it can also be expensive! Knowing how to pay for your medication is an important, and often, daunting task as treatment costs continue to skyrocket. Even in Canada where healthcare is said to be "free", many are left wondering, "How will I pay for my expensive medication if I become unemployed?" or "What will I do if I am denied Long-Term Disability benefits?"

Only about 40 per cent of Canadians have private drug insurance (about half of those have catastrophic coverage), 40 per cent have public health insurance (with big differences in deductibles and co-payments) and 20 per cent have no coverage and have to pay for drugs out-of-pocket. Ultimately, coverage depends on where people live and where they work. Young, self-employed, and middle-income earners in smaller provinces are the most vulnerable.

Consider this: A person with a $20,000 annual drug bill - not unusual for a cancer patient or someone with a chronic condition like rheumatoid arthritis - would pay nothing in the Northwest Territories, roughly $1,500 in Quebec, $8,000 in Saskatchewan and $20,000 in Prince Edward Island (Cost of Drugs, 2015). This is incredibly inconsistent!

Protection For The Cost Of Expensive Medication

Getting extended health coverage through Group Benefits at work can provide protection for the cost of expensive medication To lose your benefits, your status as an employee has to change. For example, when your employment is terminated (i.e. you quit or lose your job), your benefits will end and you will no longer be entitled to health benefits under your employer's policy. You may also be "inactively" employed long enough to be removed from the benefits under the contract terms.

That being said, you should never assume just because you are not actively at work, or have refused disability benefits, that other employment "perks" automatically end. There are many government funded programs that offer Medication Payment Assistance in Ontario for those who qualify, and a Share Lawyer is always standing by to assist you with your Long Term Disability claim, even if you've already been denied!

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.

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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.

We’re here to support you during this difficult time

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