Disabling Medical Conditions & Insurance Claims

It is stressful to deal with the effects of medical conditions that impede your ability to complete day-to-day tasks, including at the workplace. Some medical issues will affect cognition, cause constant pain, limit motor skills, and lead to fatigue, impacting the ability to work effectively. These difficulties are common among adults living with long-term chronic diseases. Some people also struggle with the effects of mental health conditions such as depression, the consequences of a brain injury, or long-lasting physical disability.

We recommend that you keep all medical records of your attempts to manage the disease for purposes of submitting a claim for long-term disability benefits in the future. Most insurance policies contain strict guidelines regarding the provision of medical information and showing attempts to seek treatment for a long-term or chronic condition. They also outline precise timing requirements, expectations around reporting, and rules for demonstrating that you are unable to perform the essential duties of your occupation. These details matter, particularly in cases where someone may be found totally disabled under a policy or when applying for CPP disability benefits, which require meeting a specific legal definition of disability.

A long-term disability lawyer from our team can help you if you are facing a disputed or denied long-term disability insurance claim.