The lawyers at Aaron Waxman & Associates are experienced with Disability, Personal Injury and Employment claims.
When you are approved for long-term disability benefits, you may notice that the correspondence from your insurance company contains a section that discusses how you have responsibilities as an insured person in order for benefits to continue and throughout the course of your claim.
These responsibilities can include:
Recovery/Treatment: Your insurance company wishes to see that you are making a reasonable effort to recover from your illness/injury including:
Rehabilitation: You are expected to pursue rehabilitation options when appropriate.
Return To Work: Your insurance company wants to see a reasonable effort made to return to work.
Other Benefits: Your insurance company may advise you to obtain benefits from other sources that you may qualify for:
Reportable income: You must inform your insurance company if you are receiving any income other than your long-term disability benefit.
Changes to health: If you have had any significant changes to your health status, it is important to notify your insurance company. Significant changes to your medical condition include new diagnoses or scheduled surgeries.
These responsibilities generally relate to providing information, facilitating your recovery and pursuing other sources of income. It may seem overwhelming, but this information does give a sense of what your insurance company is looking for in order to keep paying you benefits and it gives you a sense of how your claim is being assessed and reassessed.
Even if your claim has been denied, it is still important to participate in, and seek ongoing treatment/treatment options for your condition. This is particularly important for claims that involve conditions such as fibromyalgia, chronic fatigue syndrome and psychological illnesses. These types of illnesses are difficult to diagnose with objective testing such as bloodwork or diagnostic imaging and this is why it is important to attend regular doctor’s appointments and attend regular treatment so your physicians can determine your limitations and restrictions and document your ongoing symptoms that prevent you from working.
Insurance companies may deny claims for invisible illnesses due to a lack of objective medical evidence or because a person has not participated in treatment/followed treatment recommendations or is not under the care of an appropriate physician.
At Aaron Waxman and Associates, we have represented many clients whose long-term disability claims 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 date and 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