The lawyers at Aaron Waxman & Associates are experienced with Disability, Personal Injury and Employment claims.
In our previous post we discussed the importance of self-care when it comes to disability claims.
With an “invisible illness” or condition, the one way to show how your condition impacts your life and functional abilities is by reporting your symptoms to your doctor. When it comes to any type of disability claim, it is important to remember that even if your benefit has been denied, you should continue to seek treatment from your family physician and specialist (s), document your symptoms and comply with treatment recommendations.
Experiencing a denial of benefits from your short-term or long-term disability insurance company can be an upsetting and stressful experience.
Why is it important to document evidence of treatment and doctors’ visits? One reason for a denial of benefits is “lack of objective medical evidence”. This means that the insurance company did not feel there was enough medical information documented to support your disability and to show how your condition/illness would restrict/limit you from performing your job duties or the duties of any job you could be qualified for.
With chronic pain conditions that fall under the invisible illness category, there are no “objective” tests like blood test or diagnostic imaging (x-rays, MRI’s, CT scans) that can demonstrate evidence of the condition.
What do we mean by chronic pain conditions? Conditions such as fibromyalgia, myofascial pain syndrome, chronic fatigue syndrome and arthritis (rheumatoid arthritis, connective tissue disease, lupus). It is also important to consider that chronic pains can also involve a psychological component as chronic pain can potentially lead to the development of depression.
The reasons for the development of chronic pain can vary; for example, it can develop after an injury or surgery. Chronic pain is pain that persists for more than 6 months. A person is thought to have developed a chronic pain syndrome if he or she still experiences pain after the time for usual healing has passed.
Chronic pain interferes with a person’s daily ability to function as it affects sleep, concentration, memory, and can affect functional abilities like the ability to perform self-care and hygiene, drive, and attend work on a regular basis.
The lawyers at Aaron Waxman and Associates have helped clients whose short-term or long-term disability benefits have been denied. If your benefits have been denied for any reason, do not hesitate to call our law firm for a free, no obligation consultation, that can be arranged at a time that is convenient for you.
* This blog is for informational purposes only and is not meant to substitute legal advice. Please read our disclaimer for further information.
* All of our lawyers are licensed by The Law Society of Upper Canada
* Office in Toronto and able to represent people in the province of Ontario