Disability Blog

Reasons Claims are Denied #1 – “No Objective Evidence”

Disability insurance companies often deny legitimate disability claims on grounds that there is “no objective evidence of disability”. This reason can be expressed in several alternate ways. For example, that symptoms are “self-reported” or “subjective in nature”.  However couched, the fundamental message is that the insurance company does not accept you are experiencing severe pain […]

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Definition of Disability

The definition of disability is the crucial backbone of every disability insurance policy.  Both group long-term disability (LTD) policies and individual policies contain a definition or a test which a claimant must meet in order to be eligible for benefits. The definition can take many forms, but the fundamental elements can be expressed as follows: […]

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Reasons Claims are Denied #2 – No Restrictions or Limitations

A common reason that a disability insurance company will cite to deny a long-term disability claim is that there are no “restrictions or limitations”. Essentially, the disability case manager has reached the conclusion that the medical condition the claimant is suffering from and the symptoms the claimant is experiencing are not severe enough that they […]

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Tips for Disability Claimants #1 – Maintain Regular Treatment

Ensuring that you maintain regular care and treatment for your disability greatly assists the strength of your claim. This means visiting your doctor on a regular basis, being examined and treated by specialists when necessary, and ensuring that you take medication as prescribed by your treating physicians. Undergoing regular treatment and visits to your doctor […]

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Reasons Claims are Denied #3 – Surveillance

Surveillance is a common tool used by disability insurance companies during the adjudication of a disability claim. The insurance company will hire an investigative firm to secretly take photos and video footage of a claimant and observe a claimant’s activities. If the insurance company believes the surveillance proves the claimant is capable of working, then […]

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Tips for Disability Claimants #2 – Avoid Opening a Facebook Account

Over the last several years, insurance companies have been aggressively pursuing access to claimants’ online profiles with Facebook and other social media networks. Their primary goal is to obtain photographs that depict a claimant engaged in social activities or performing physical tasks. If the insurance company feels that the photographs demonstrate a person is not […]

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Consult a Disability Lawyer before agreeing to a Lump Sum Settlement

Occasionally, an insurance company will approach a disabled claimant and offer to pay them a one-time lump sum payment rather than continuing to pay monthly disability benefits. In exchange, the claimant signs a “Full and Final” release whereby they surrender all further entitlement under the group disability policy. In most circumstances, an insurance company will […]

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Reasons Claims are Denied #4 – “Workplace Conflict”

Conflicts with co-workers and management are regular occurrences in all manner of workplaces throughout Canada. Disputes with co-workers can arise over personality clashes, jealousy, gossip/backbiting, sexual harassment and competition. Disputes with supervisors and management can occur as a result of unfair performance reviews, salary and bonus issues, overtime, and excessive workloads. Whatever the reason, workplace […]

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