Is Chronic Fatigue Syndrome a Long-Term Disability?

A person suffering from chronic fatigue can seek benefits from their long-term disability insurance policy if their employer provides it. Many insurance companies are leery of providing benefits, however. Medical professionals do not entirely understand the syndrome, and there isn’t a list of specific criteria or tests for diagnosing it. The good news is that you could still successfully recover benefits with a long-term disability claim in this situation. While it could be challenging, Jan A. Fishman could assist you. Common factors in a chronic fatigue syndrome diagnosis The science...

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Is Anxiety a Long-Term Disability?

Many people struggle with anxiety, but most will respond to medication or other treatments. For some, however, this disorder becomes so overwhelming that they are unable to participate in normal activities, including employment. Whether a person is approved for long-term disability benefits for this depends on various factors. However, any type of claim for mental illness is more difficult to prove than physical injuries or diseases. Jan A. Fishman can assist you in preparing a long-term disability claim due to anxiety. Jan has been a lawyer for 30 years, and has assisted hundreds of people...

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Not all bad faith attracts punitive damages.

On November 3, 2020, the BC Court of Appeal held that not all bad faith conduct will result in an award of punitive damages. In Gascoigne v. Desjardins Financial Security Life Assurance Co. (c.o.b. Desjardins Insurance), [2020] B.C.J. No. 1821, 2020 BCCA 316, the insured, an ICBC bodily injury adjuster, sued her disability insurer under her group benefits policy when her claim for long term disability benefits was denied. She developed inflammation of the tendons of her left elbow, requiring surgery, and subsequently developed depression. At trial, the medical evidence established that she...

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When returning to work is a risky proposition.

As workplaces slowly begin to reopen over the next several weeks and months, many of us might feel anxious about returning to work and the possibility of being exposed to COVID-19. However, if you are someone who has a medical condition that puts you at an increased risk for serious complications from COVID-19, you might decide that returning to work right now is not worth the risk. If you do decide not to return to work, you might be wondering whether you can apply for disability insurance benefits (such as short-term or long-term disability benefits), either through your employer’s group...

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What are the top 5 reasons insurers deny long-term disability claims?

#1 – Insufficient Medical Documentation Insurance companies will often state that the medical documentation you provided does not support your claim that you are disabled from working. This is a catch-all tactic. They often do not explain why your documents are insufficient. If your doctors or treatment providers support your disability, you should generally qualify for your LTD policy. #2 – You Are Not “Totally Disabled” This is a conveniently misleading term that was crafted by insurance companies. The term “totally disabled” does not mean you need to be paralyzed,...

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