Success Story: Annette Campbell
Annette Campbell, 52, had worked as a receptionist in a downtown Toronto high school for almost 27 years. She was known by students, parents and colleagues as a warm and friendly face in the prinicipal’s office who made everyone feel welcome.
Annette loved her job and had hoped to continue working at the high school until retirement, but unfortunately, pain caused by her rheumatoid arthritis had become progressively worse in the last couple of years and Annette found herself struggling to perform her basic job duties. Her doctors recommended that she stop working in order to prevent further aggravation of her condition.
Annette made the tough but inevitable decision to go on sick leave. She applied for long-term disability insurance provided to her through work and her claim for benefits was approved.
Two Years Later
Annette continued to be under the regular care of her specialists to help manage her pain. She had been on long-term disability benefits for almost two years when, one day, she received upsetting news in the mail from her insurer. The letter stated that they were cutting off her disability benefits due to a change in the definition of ‘total disability’ in her policy.
Annette couldn’t believe what she was reading. How could her insurer cut off the benefits that she relied on every month to survive, especially when her medical condition was worse than when she had first stopped working?
Searching For Answers
Annette needed help understanding what this change of definition clause meant and how it affected her future. She began searching for a lawyer with expertise in long-term disability claims and found Share Lawyers through a friend’s referral.
After speaking with a law clerk over the telephone, Annette was booked in for a free consultation with a lawyer. She met with Associate Lawyer Leanne Goldstein, who helped Annette to understand her policy.
Leanne explained that the change of definition clause is common to most disability insurance policies and, while the wording of each insurance policy will be slightly different, the general definition during the “own occupation period” is being unable to perform the regular duties pertaining to your own occupation due to injury or illness and not being engaged in any gainful occupation. After the change of definition point, otherwise known as the “any occupation” period, total disability is typically defined as being unable to engage in any gainful occupation for which you may be fitted by training, education or experience.
Leanne explained that insurance companies often terminate benefits at this point, even if the claimant is still unable to work due to their disability. She assured Annette that Share Lawyers had, in the last 25 years, helped countless individuals in Ontario to win back their benefits after the change of definition point, and they could do the same for her.
Share Lawyers Sues The Insurer
Annette was intimidated by the idea of a lawsuit, but she didn’t have another option. She decided to put her faith in the Share Lawyers team.
To her surprise, the legal process was not as stressful as she anticipated, and Annette was relieved to find that the lawyers and law clerks at Share Lawyers were compassionate, efficient and professional.
Less than a year later, Annette’s case was settled at mediation. Share Lawyers was able to secure a lump sum payment for Annette that would provide her with financial security for the next 11 years until she reached the age of retirement. Annette was now able to put the stressful ordeal behind her and focus on her health.
*Names have been fictionalized to protect the privacy of our clients.
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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.