The disability claim process is stressful, especially when your claim is denied. As you try to appeal the decision, the future of your care and livelihood hang in the balance. Insurance companies often go to great lengths to deny most disability claims. They will even monitor the physical and social media activities of claimants to find evidence to use against them in court.
It doesn't stop after you win - the insurance company will keep a close eye on you in order to potentially challenge your claim down the line! The process can be quite distressing and weigh heavily on the mind of the claimant.
Many of our clients have been through a lot. Most people just give up. It takes a lot of courage and determination just to pursue a denied claim.
We spoke with a couple of our clients, Agnes and Mark, to find out what helped them keep calm and persevere when things were difficult.
Agnes' Disability Claim:
Agnes is a 43-year-old former accountant. After working for 15 years at a large firm, she developed nerve damage and was in too much pain to focus on her work. She began to fall behind and her employer threatened to let her go.
Agnes knew she couldn't keep up, so she investigated her short-term disability coverage options in the hopes of taking some time off work to seek treatment and recover. She filed a claim with the company's insurer and it was denied.
She reached out to Share Lawyers for help and we gladly took on her case. Her insurer fought tooth and nail to prove she was able to work - but we won.
Agnes confided in us that she was under tremendous stress during the process because her employer was unsympathetic and the insurer invaded her privacy. She managed to get through it with a lot of grace and integrity. We asked her for her best advice for other people in a similar situation. She told us:
“I have found yoga and meditation helps clear some stress and tension. It really helped me keep my head up.”
We think her advice is excellent and recommend making a habit of any activity that gets you out of your head and calms you down. Our favourites are yoga, tai chi, qigong, meditation, and prayer if you are religious.
If you don't want to commit to a zen routine, you can find other ways to cope with the stress.
Mark's Disability Claim:
Mark is a single dad who had an accident at the factory where he worked. He could barely walk after the accident, let alone operate industrial equipment - which is what he was expected to do daily on the job.
He filed a claim with his insurance company, but it was denied.
Terrified that he would not be able to provide for his children, Mark came to Share Lawyers. He was intimidated by the legal system and the claim process when we first met. His insurance company even hired an investigator to keep tabs on Mark to try to prove that his injuries were not as serious as he claimed.
The case dragged out over several months, but Mark always managed to keep his chin up. We asked if anything helped him get through it. He replied:
“I felt weak in every way so I looked for things that might inspire a fight in me. I got into legal TV and movies. In no particular order, I enjoyed Criminal Minds, Law & Order (SVU), Forensic Files, Erin Brockovich, What A Wonderful World… Daystar TV, Vision, etc. All programming focused on strength.”
We love the practicality of Mark's advice. You don't have to take up a new hobby, just work some motivational media into your routine!
Our team was proud to represent Agnes and Mark and to get them the coverage that they deserved. We do our best to make the entire claim process comfortable, but we realize that by nature it is a difficult one. We are happy that they were able to find some calm in the storm and thankful that they were willing to share their experience and advice with others.
*All names and identifying details have been changed to protect the confidentiality of all involved.
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. Find out if you have a disability case.
We have recently settled cases against SSQ, Manulife, Sun Life, Great West Life, and many more. We love hearing feedback from our clients, so please share your own experience with us.
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.