As businesses look beyond the pandemic and prepare to return to normal, many employees are asking themselves if they’ll be able to cope with workplace challenges.
A recent study by RBC insurance found that as many as 40% of working Canadians experienced a decline in their health throughout the COVID-19 pandemic. For those living with a disability or health condition, the challenges have been far greater.
The reality is, not all illness is short-term.
Many Canadians are seriously impacted by health conditions that can last for months, or even years, with little change or improvement. For these working Canadians, it may mean a lengthy absence from work while recovering.
For financial support, Canadians rely on long-term disability (LTD) insurance from insurance companies such as Sunlife, RBC, Manulife, Canada Life (Great-West Life) and others to get them through these difficult times.
The application process for LTD benefits is lengthy and requires significant medical evidence including X-Rays, MRIs, Ultrasounds, blood work and the support of a treating physician. “The more evidence that a claimant can provide, the greater likelihood of their claim being approved,” explains Samantha Share, Assistant Managing Director at Share Lawyers.
The problem is, despite gaining undeniable evidence and the support of a physician, insurance companies will work to deny a claim.
“Paying out long term disability benefits costs insurers money,” adds Share. “This is where a disability lawyer becomes essential.”
Luckily, it’s become easy to find out if you have a valid disability case.
For the people of Timmins, there's no need to wait to determine if an experienced lawyer can assist with an insurance claim. You can now complete an easy, free, four-step online assessment to find out if you have a valid disability case from the comfort of your home.
Find out if you have a disability claim case in four easy steps here.
If you have had your claim for long-term disability denied or if you’re struggling with a physical or emotional disability that impacts your ability to do your job, don’t wait to find out how an experienced long-term disability lawyer can help.