Success Story: Amir Khan
Independent agent Amir Khan sold a variety of insurance policies to businesses and professionals on behalf of insurance companies.
He educated his clients about how insurance provided a financial safety net in case of unfortunate events such as illness or injury.
One day, Amir found himself in need of that very same safety net he had touted to his clients during his 19-year career. You can imagine his great disappointment when he put in a claim for disability benefits only to be denied by his insurer.
A Tragic Loss
In December 2010, Amir’s 24-year-old daughter, Shireen, was diagnosed with a glioblastoma brain tumour and died two short months later. It was a terribly difficult time for Amir and his wife. Their daughter’s sudden passing caused Amir to fall into a severe depression.
Debilitated With Grief
Although he was devastated by his loss, Amir had no choice but to get up every morning and go to his office. He was the sole breadwinner of the family and had two young sons and a wife to take care of. However, the emotional toll of his daughter’s death caught up with him.
Amir’s concentration began to slip, as did his memory. His entire body ached and made him move slowly and with great difficulty. Amir had to use what little emotional fortitude he had left to keep from breaking down in front of clients.
Doctor's Diagnosis
Amir visited his doctor, who diagnosed him with Major Depressive Disorder and Fibromyalgia. She recommended that Amir stop working in order to deal with his loss and the debilitating symptoms of his depression or, she warned, it would get far worse. Amir knew that he was unable to work in his state. So, he took his doctor’s advice and applied for disability benefits through his private disability insurance.
Insurance Company Denies Claim
Amir was shocked when he received a denial letter from his insurer. They cited “insufficient medical information” as the reason for denial. They did not agree that Amir’s depression and chronic pain were disabling, even after reviewing extensive medical reports from Amir’s doctor that stated otherwise.
For years, Amir had naively believed his insurer would automatically provide him with the benefits he had paid into if he simply made a claim. He thought of the countless clients he had sold insurance to and wondered if they were ever let down by their insurance provider as he was.
One evening, Amir was distractedly thumbing through a newspaper when an ad from Share Lawyers caught his attention. He called the office and, after speaking with a legal assistant about his situation, was immediately scheduled in for a free consultation.
David Share met with Amir and reviewed the details of the insurance company’s denial with him. He explained that many clients who suffer from disabilities such as depression and fibromyalgia are frequently denied by insurance companies due to the so-called subjective nature of the conditions. He assured Amir that the denial did not mean it was the end of the road for his claim.
Share Lawyers Stands Up To Insurer
When Amir walked out of his mediation in downtown Toronto, he breathed a huge sigh of relief. Share Lawyers had succeeded in winning Amir a substantial settlement from the insurance company.
Amir thanked the whole team for lifting a huge financial burden off his shoulders. Not only that; the settlement also gave Amir the gift of time to finally mourn his daughter’s death and seek treatment for his depression and fibromyalgia.
*Names have been fictionalized to protect the privacy of our clients.
Denied your long term disability claim?
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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.
