Success Story: Rodrigo Neves
31-year-old Rodrigo Neves had always had steady work in construction. He had been fortunate enough to be hired by a large, reputable construction company that offered benefits for himself and his family, and he had liked the flexible schedule the job allowed. While safety on the job had always been a concern given the "high risk" nature of his work, after more than ten years "accident free", Rodrigo had felt like he had nothing to worry about.
The Phone Call That Changed Everything
Rodrigo's wife, Kristine Neves, was the one to answer the phone on the rainy Saturday morning that changed everything. Rodrigo usually didn't work on the weekend, but decided the overtime couldn't hurt.
When the voice on the other end of the phone told her that her husband had slipped on the job and was being rushed to emergency, she didn't know what to do. Her husband had tripped on a support beam and hit his head, and the prognosis did not look good.
By the time she arrived at the hospital, her husband had already passed away. Kristine was beyond devastated. How could this have happened to Rodrigo?
Insurance Company Denies Accidental Death And Dismemberment Benefit
In the weeks following her husband's tragic death, Kristine, with the support of her family, filed a claim under Rodrigo's Accidental Death and Dismemberment policy equivalent to two times her husband's annual salary as the benefit booklet stated. As her husband's beneficiary, Kristine anticipated receiving an insurance benefit that would allow her to remain financially stable during her time of need - after all, she had her children to think about, and her mortgage still needed to be paid.
When Kristine opened the letter from her insurance company, she was expecting to see a cheque for her payout-but instead, she learned that the insurance company had denied the claim! Unfortunately, the insurance company did not believe that Rodrigo's slip and fall had been the result of an accident, but rather a congenital underlying illness. Kristine couldn't believe it: the insurance company said that Rodrigo had a pre-existing brain disorder and therefore his death was not the result of an accident and were refusing to pay out. Kristine felt hopeless and confused; how could they do this to a grieving widow?
How Share Lawyers Helped
With nowhere left to turn, Kristine quickly booked a consultation with Share Lawyers. A family friend had used their services before, so Kristine knew that the firm had years of experience helping others in similar situations, and she knew that the lawyer assigned to her case would handle her claim with care and tact, and not accept any fees unless her case was settled. Immediately, the team at Share Lawyers got to work compiling a strong case regarding the underlying cause of Rodrigo's death.
The Share Lawyers team collected emergency medical notes and records, as well as expert medical opinions to show that the accident caused Rodrigo's death. The Share team empathized with Kristine and truly cared about the details of her case - they wanted her to get her payout as quickly as possible. Within 8 months, the team had negotiated a fair and substancial settlement on Kristine's behalf, and she was finally able to mourn the death of her loved one without the stress of an Accidental Death and Dismemberment claim looming over her shoulder.
*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
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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.
