Success Story: Ahmed Mehrani
As a retired nurse, 60-year-old Ahmed Mehrani had often been witness to the emotional, physical and financial challenges faced by patients who had lost their independence, not to mention the heavy toll placed on their families. He did not want his wife, Betsy, and their children to struggle if he was ever in need, so he purchased a critical illness insurance policy for $250,000.00—hoping, as everyone does, that he would never have to use it.
Stroke Causes Cognitive Impairment
Over three years after purchasing his insurance policy, Ahmed had a stroke. He was preparing dinner at home when the stroke occurred. Betsy called 911, allowing him to receive immediate care that ultimately saved his life. Once his condition was stable, it became clear that the stroke would have a lasting impact on his health.
In Need Of Long-Term Care
Ahmed was left with cognitive impairment, including poor short-term memory, confusion and the inability to speak in coherent sentences. It impacted the quality of his life tremendously. Betsy had to be by his side at all times to assist with transportation to doctor’s appointments, the administering of medications, rehabilitation and other daily tasks.
Insurance Claim Denied
As their savings diminished and they began to crumble under the stress of getting through each day, Betsy quickly realized that she needed help. She submitted a claim to the insurance along with the required medical documentation from Ahmed’s specialists. The insurance company reviewed Ahmed’s file and asked him to undergo cognitive testing with their inhouse specialist. He cooperated willingly. Five weeks after the tests, the insurance company wrote to Ahmed and Betsy, stating that while the test results did verify cognitive impairment due to stroke, the impairment did not meet the criteria listed in his critical illness policy. They denied the claim.
How Share Lawyers Helped
Betsy wasted no time in seeking professional advice. She found Share Lawyers online and booked a free consultation. It was important for her to understand the reason for denial, as well as what options were available to her family.
Upon meeting with Associate Lawyer Janice Grevler, Ahmed and Betsy felt relief that she had chosen the right firm. They retained them on the spot and were not disappointed. Share Lawyers began work on the case immediately. From the receptionists and the law clerks to the dedicated team of lawyers working on the case, Betsy felt that the entire team was thorough, committed and compassionate, and most importantly, very familiar with how to “play the game” with the insurance company.
Share Lawyers gathered the necessary medical information to compile a strong case verifying the severity of Ahmed’s cognitive impairment and his need for daily care. At mediation, Associate Lawyer Kirk Sloane was armed with strong knowledge of Ahmed’s policy provisions and clauses and every detail of his medical history. He negotiated the case with great tact and thoroughness, securing the best possible outcome for Ahmed and Betsy—a lump-sum settlement that would allow them to protect their retirement savings and their assets and assist with the cost of a full-time home-care attendant.
*All names and identifying details have been changed to protect the confidentiality of all involved.
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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.
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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.
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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.