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Archive for the ‘Short Term Disability Claims’ Category

Long Term Disability News: Recent Articles About Chronic Pain

Monday, May 20th, 2013

There are different types of personal injuries that can affect an individual’s ability to work.  When an individual who has long term disability benefits available to them, is unable to work for a prolonged period of time due to an injury, it is recommended that the individual apply for benefits.

It can happen that long-term disability benefits are denied at the outset of a claim or denied after benefits have been paid for a certain period of time.

This post will discuss one area of long term disability claims, chronic pain.

Chronic pain is pain that is prolonged and that last several months. There are many individuals who, after a car accident or other type of personal injury do not recover from their injuries and continue to experience pain. As a result, they are unable to return to work and apply for long-term disability benefits.

Long-term disability carriers and medical professionals sometimes have difficulty understanding the nature of pain and how chronic pain affects a person as a whole, rendering them unable to return to their previous employment, or any employment.

Sometimes secondary to the development of chronic pain are psychological conditions such as depression and/or anxiety. A new study evaluated patients with severe joint or back pain despite medication. All participants were screened for common anxiety disorders and related quality of life issues (e.g. work productivity, quality of sleep). It was found that 45% of the patients suffered from some form of anxiety as a result of having chronic pain. Those who tested positive for some form of anxiety, felt worse pain. To read more about the study, click here.

Researchers at the University of North Carolina School of Medicine claim to have identified a genetic risk factor for chronic pain after a traumatic event such as a car accident or assault. Chronic pain that persists after a traumatic event may be caused more by stress or psychological factors rather than a lingering injury. The study indicates that mechanisms influencing chronic pain development may be related to the body’s stress response, rather than a specific injury related to the event.

The study  assessed the role of the hypothalamic-pituitary adrenal (HPA) axis, a system that controls the body’s response to stressful events, and suggests that a genetic predisposition to HPA disregulation plays a role in the persistence of pain following trauma. The study looked at whether the HPA axis influences the severity of musculoskeletal pain six weeks after a car accident. It was found that a gene variant, was associated with 20% higher risk of moderate to severe neck pain.

A very interesting study published in the European Spine Journal in April discusses treating chronic back pain with antibiotics. Danish scientist, Dr. Hanne Albert used a double blind study to test the effectiveness of the antibiotic Bioclavid on a group of chronic back pain sufferers. Those who were given the actual medication fared better than those given the placebo. 100 days of antibiotics were given to patients. This treatment could be of benefit for patients who have suffered personal injuries as a result of car accidents or other traumatic injuries. Difficult back injuries include where a person has a slipped disc, or experiences “shooting pain” up the spine or damage to the spine’s alignment.

Dr. Albert believes that surgery is not enough to alleviate back pain and that antibiotics help because persistent stubborn pain is caused by for example, in the case of a slipped disc, the disc becoming infected by bacteria. The bacteria in turn corrodes the spine by releasing acid and causes pain.

Research is still in its early stages and Canadian spinal-cord injury specialists caution that the study is far from conclusive at this point in time.

The Canadian Medical Association Journal recently published guidelines for treating a chronic pain known as fibromyalgia.  About 3% of Canadians are said to suffer from fibromyalgia, a chronic condition that causes widespread pain throughout the body. Calgary physician, Dr. John Pereira, co-author of the guidelines says this is the first set of evidence based guidelines in the English-speaking Western world. The guidelines clearly list how to diagnose fibromyagia and how to treat it effectively with the goal of improving symptoms and “optimizing function”.

A recommendation is made that the individual’s primary care physician take over the diagnosis and management role that has generally been left to specialists. Treatment involves exercise, cognitive behavioural therapy, self-management, education, relaxation techniques as well as medications that target pain.

If your long term disability benefits claim has been denied, or your benefits terminated, contact Aaron Waxman and Associates.

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Perspectives on Chronic Pain

Tuesday, January 29th, 2013

One in every five people in Canada suffers from chronic pain.

Chronic pain sufferers may find and do find relief with prescription medication. Often strong medications, such as opoids are prescribed, but many physicians are hesitant to prescribe them, or are unable to prescribe them and only specialists can prescribe them.

There is a polarization between pain and addiction. Doctors do not want to prescribe medication for pain, because of fears that patients will become addicted to the medication.

Chronic pain can develop as a result of injuries from a motor vehicle accident and can lead to the short term disability claims and long term disability claims.

Many people in Ontario who suffer from chronic pain are left floundering, struggling to find someone who will help them to manage their chronic pain. Pain specialists are in short supply in Ontario. Chronic pain sufferers are facing an uphill battle: there is a lack of understanding with respect to chronic pain among doctors and health professionals, and a growing stigma with respect to opoid medications, which the government has cracked down on- making treatment less available to those in need.

The Canadian Pain Coalition recognizes that strong medications such as Oxycodone and morphine need to be carefully monitored, but the opoids are an important part of pain management. Having a pain specialist or physician who can prescribe the medication and monitor its use is an important part to treating chronic pain, especially when physiotherapy and/or massage therapy is not an available option. When medication is difficult to get, chronic pain patients are out of luck.

Both the government of Ontario and the federal government have taken steps to oversee how painkillers such as Oxycontin, Oxycodone, morphine, methadone and codeine are dispersed in the wake of the rising number of accidental deaths. Ontario has introduced a tracking system to monitor these narcotics to identify patients who are getting multiple prescriptions, the doctors prescribing them and the pharmacists dispersing them.

Chronic pain affects not just the individual in pain, but his or her family.

 

 

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A Depression Gene, Stigma, Psychotherapy, Relationship between Concussions and Depression

Monday, January 21st, 2013

The search for a depression gene came up empty. A group of 86 researchers were hoping to discover genetic influences linked to depression while studying approximately 34,500 volunteers. Since depression runs in families, many experts believe that there must be a genetic connection. Research failed to demonstrate any specific genes that cause depression. After raising the number of study subjects to over 51,000, only one spot in the whole genome was tied to depression, but it was not close to any genes. The study had focused on patients with symptoms of depression. The study’s authors are considering trying again on a larger scale, this time focusing on patients who have a confirmed diagnosis of depression.

What prevents people from seeking treatment for depression and mental health treatment? Psychotherapy takes time and effort. There is stigma attached to seeking treatment for mental illness. People are hesitant to admit that they attend therapy sessions. Society places illogical taboos and stigmas around mental illness, therefore many people feel ashamed about their diagnoses or symptoms. Another factor that can prevent someone from seeking treatment is severity- he or she may not realize how severe the symptoms are and may feel that therapy is not warranted. The will to get started and knowing how and when to start is another factor.

Research has shown that, in some instances, there are legitimate biological scenarios that cause secondary illnesses that would not exist in individuals otherwise. Researchers in Denmark at the University of Copenhagen were able to isolate an enzyme called C-Reactive Protein (CPR), that when present in high concentrations can cause depression, using a blood test to isolate a specific protein in the bloodstream. It was through this line of research that they found a relationship between depression and arthritis. It was noted in the past patients with inflammation or arthritis may have been simply “written off” by their doctors as upset due to the physical pain and limitations.

This new research has showed that those patients with higher levels of the CPR protein (which is released by inflammation/inflammatory conditions), were 2-3 times more likely to develop depression. It is not clear though, whether inflammation causes depression or the other way around.

An article released on the Time.Com website concerning the link between concussions and depression explains how sustaining a concussion can make one more vulnerable to depression. Two studies were conducted on  retired NFL players.  The first study, which has already been released found that the former players who are depressed or cognitively impaired have abnormal findings in a specific area of the white matter of their brains.  White matter is critical for transmitting signals. The American Academy of Neurology reports that a higher number of concussions equates to a higher likelihood of depression. Neurologist, Dr. John Hart, who was active in both studies, said that these studies apply to everyone who is affected by concussions, not just professional sports players. He said anyone who has suffered a concussion should be monitored for signs of depression. Depression is manageable, but only if doctors know how to diagnose and treat it properly.

 

Aaron Waxman and Associates is a Toronto Personal Injury Law Firm that focuses solely on the rights of injured persons. We advocate for your rights. We provide a free initial consultation.

 

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Developments in the Field of Chronic Pain/Pain Management

Monday, January 7th, 2013

Yoga is not just for relaxation. Yoga breathing and relaxation techniques can ease chronic pain according to an assistant professor, Neil Pearson, at the University of British Columbia. Pearson is offering free online information sessions (webinars) for those interested in learning more. Pearson explains that pain changes everything in a person’s life from thoughts to movement to relationships.

A step forward for pain management is to move beyond finding a simple remedy for pain. By the time most people accept that their pain condition is long term, their nervous system has already become “locked in” to a pattern of pain. This pain pattern leads to shallow breathing, tight muscles and spasms. This pain pattern causes a “hyper-vigilant” nervous system.

Yoga can help reset the system and break away from stiffness. Chronic pain is common amongst Canadians of all ages and can stem from a variety of causes including car accidents, falls, sports injuries, arthritis, digestive disorders and back problems.

If you are in constant pain, you should blame your genes, says a new scientific study. Scientists have identified genes that interact with each other to regulate pain in humans. They found that differences in these genes may influence people’s sensitivity to pain. The method used to study and target these genes is called “exome sequencing”- a strategy used to sequence genetic coding.

The study notes that chronic pain is a significant burden on individuals and on the economy. Exome sequencing could be used to find important pathways in other common conditions. The results showed different patterns of genetic variants in each group, the pain sensitive people had less variation of DNA compared to those who were less sensitive to pain.

It is known that people who are most sensitive to pain in general, are those who are most likely to develop chronic pain. Understanding the underlying genetic factors of chronic pain can help researchers understand the biology of pain and new areas to target for therapy. Research for chronic pain is important because current treatments can be expensive, have limited efficacy or significant side effects.

It turns out that Morphine can actually cause pain in some people. Research from the Universite Laval in Quebec City has shown that there is a molecular pathway by which morphine can actually increase pain, but at the same time, provides insight for how morphine can be effective for more patients.

The research team includes representatives from Quebec, Ontario, the U.S. and Italy.

The research identifies a target pathway to suppress morphine-induced pain, and was able to distinguish the pain hypersensivity caused by morphine from tolerance to it. Previously it was thought that pain hypersensitivity and tolerance were caused by the same mechanisms.

The study demonstrates that cellular and signalling processes for morphine tolerance are markedly different from those of morphine-induced pain. This research is important, because the usual line of thinking is that when morphine doesn’t reduce pain, a higher dosage is needed, but sometimes increasing the dosage has a paradoxical effect.

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Chronic Pain in the News

Monday, November 19th, 2012

A small British study has shown that laughter can increase your tolerance of pain. The study, called ” Social laughter is correlated with an elevated pain threshold”, confirmed that social laughter, laughter in the presence of others release endorphins, the same feel-good brain chemicals that are released during exercise.

Laughter is useful and helpful when you are hurting because it is work for the body. The release of endorphins through the body masks pain. It is a work out for the chest and lungs. The study was led by Robin Dunbar, PhD, a professor of evolutionary psychology at Oxford University.

The Scientific American recently posted an article entitled “How Chronic Pain Affects Memory and Mood”.  Sufferers of chronic pain also experience faulty memory, depression and anxiety. According to new research from Northwestern University, the reasons for these symptoms could be that people who experience chronic pain suffer from an impaired hippocampus. The hippocampus is the region of the brain responsible for learning, memory and emotional processing.

Researchers at Northwestern University used anatomical brain scans to study the brains of people suffering from chronic back pain or complex regional pain syndrome and found that they had a smaller hippocampus than healthy people. The study turned to mice for more clues about how the hippocampus worked. Mice in chronic pain displayed greater anxiety like behaviours. The mice were unable to produce new neurons in the hippocampus, which is one of the few brain areas where adult mice and humans can grow new neurons.

The lead study researcher suspects that the hippocampal size difference seen in humans could be a reflection of the lack of neuron growth and other problems that were seen in the mice. Without the formation of new neurons, memory and emotional processes would also become impaired.

The study author believes that the study underlines the importance of treating chronic pain as a brain based disorder, in addition to targeting its perceived source in the body.

In technology news, an iPhone/iPad App called My Pain Diary has won awards and has found to be beneficial to those who suffer with chronic pain.

The app was originally released for iPhones, and is now avaialable for iPads, called My Pain Diary HD. It was created by a chronic pain sufferer. It helps patients and chronic pain sufferers track their pain and easily report it to caregivers and doctors. Features include an automatic weather tracker, the ability to attach photos, and the ability to track and compare multiple chronic conditions within one app.

Other features include the ability to create custom PDF doctor’s report to share with doctors, or to store in the app, private entries, which can be flagged as private so as not to be shared, a reminders feature, and a passcode option. There is also a Dropbox Backup option to back up data as well as iCloud syncing between devices.

 

 

 

 

 

 

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Benefits of Having Both Disability Benefits AND Critical Illness Insurance

Sunday, January 29th, 2012

Would your way of life survive a critical illness or a serious injury?

If you survived a critical illness would you have enough money to pay for private nurses, home care, special medical treatments inside or outside Canada, job or career retraining, daily living costs such as food, mortgage or rent and taxes?

Critical Illness Insurance is offered by several Canadian insurance companies. CI pays a lump sum benefit upon a diagnosis of one of the covered conditions listed in the insurance policy.

Critical Illness Insurance is considered to be a “living benefit” insurance that offsets lost income and its main purpose is to help pay for additional expenses incurred by those who survive a major illness. Traditional life insurance won’t help in these circumstances.

With CI, you don’t have to dip into your RRSPs or savings. You are paid a lump sum amount as per your policy terms.

For more details about what critical illness insurance covers, and long-term disability benefits refer to our previous blog posts concerning this topic.

If you are a business owner or self-employed, you may want to consider critical illness insurance as well.

CI Insurance does not replace LTD or Life Insurance but is meant to complement these products.

It has been said that insurance is one thing you pay for but never really want to use. But, the reality is, insurance can allow a person to get back to where they need to be financially and can alleviate financial stress in many cases.

Turning to Disability Insurance, LTD insurance is a percentage of your pre-disability earnings and the benefit period ends at age 65. With individual policies, you can choose the level that works for you, from 50-100% of your wages. The higher the percentage, the higher the premiums are.

If you became disabled as a result of a car accident, having LTD benefits will allow you to afford your monthly expenses, like your mortgage payments, car payments, basic necessities and in general, protect your lifestyle if you have purchased enough coverage.

These 2 insurance products should be part of your financial portfolio. Being financially prepared is responsible, and will pay off.

Aaron Waxman and Associates is a personal injury law firm that handles car accident claims, critical illness claims and long-term disability claims.

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Chronic Pain in the News Part III

Sunday, December 18th, 2011

Aaron Waxman & Associates LLP specializes in personal injury claims and helping clients receive the compensation they deserve.  Our “Chronic Pain in the News” series is meant to be a source of information for our readers and clients. We keep apprised of the latest medical developments with respect to chronic pain, and fibromyalgia.

Lyme Disease is a chronic disease that causes chronic pain. The Vancouver Sun recently reported that the government of British Columbia pledged $2 million for a new clinic where those with Lyme Disease and other complex and chronic diseases could go for help in managing their symptoms. The BC Women’s Hospital has been named as the home for the new clinic.

In Bancroft, Ontario, council has joined the fight against Lyme Disease. A growing list of municipalities are petitioning the province of Ontario to improve awareness, detection and treatment of Lyme Disease in Ontario. Pressure is being put on the provincial government of Ontario to update its Lyme Disease protocols. The Lyme Disease Association of Ontario (LDAO) says that the disease is regularly is regularly is regularly misdiagnosed because it mimics a variety of other diseases and neurological disorders including autism, arthralgias, arthritis, autoimmune disorders, chronic fatigue syndrome, fibromyalgia, depression, multiple sclerosis, Parkinson’s Disease, Alzheimer’s, schizophrenia, sleeping disorders, Lou Gehrig’s Disease, Lupus and more.

Currently, OHIP does not cover all testing for Lyme Disease. There is dispute over how the disease is transmitted. If Lyme Disease is caught early, it can be successfully treated with antibiotics.

Canada Newswire posted a Press Release about Canada’s need for a National Pain Strategy. Chronic pain is an under-treated health crisis affecting 1 in 5 Canadians. It is said that pain is often poorly managed in Canada, has a major impact on the quality of life and the ability of people to function.

The Canadian Pain Society (CPS) and the Canadian Pain Coalition (CPC) have issued a blueprint to outline the social, economic and personal impact of chronic pain on Canadians.

On April 24, 2012, the first ever Canadian Pain Summit will take place in Ottawa.

 

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Aaron Waxman & Associates: Spreading Expert Knowledge in the Community

Monday, November 28th, 2011

At Aaron Waxman & Associates, we believe it is important to be informed. We are happy to appear as guest speakers at events or community meetings to explain how the legal process works, or how insurance claims work.

Yesterday, November 26, 2011, Aaron Waxman spoke at the Fall 2011 meeting at the Lyme Disease Toronto organization, which is an organization set up to assist people who have developed lyme disease, to provide them with resources, support an information.

Aaron spoke to the attendees about potential issues that people with a chronic illness may have with their insurance companies such as difficulties with paying for medication, short and long term disability payments and medical procedures. Aaron also talked about how our firm can assist with the process for obtaining CPP disability benefits.

Lyme Disease is a serious bacterial infection spread through bites from ticks.

Untreated Lyme Disease can spread to the brain, heart and joints.

 

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