Invisible Illnesses and Long-Term Disability Benefits
When we think about the types of illnesses and conditions that may qualify individuals for long-term disability benefits, we tend to think about physical injuries. However, this is not always the case.
A claim for long-term disability benefits may sometimes encompass what is referred to as an invisible illness. These are conditions in which the associated symptoms cannot be seen on blood tests, diagnostic imaging, and the like. A large percentage of these disability claims are related to mental health issues.
Common invisible illnesses include:
- Chronic pain
- Bipolar disorder
- Post-traumatic stress disorder (PTSD)
- Workplace stress
The Need To Present Necessary Medical Evidence
For people suffering from invisible illnesses, it is critically important that they regularly follow up with their doctors and treating professionals, to ensure that their symptoms and activity restrictions are properly documented. Your doctors’ evidence is essential to proving that you are unable to work.
Individuals who are unable to work due to a chronic pain disorder or a mental illness must show that they are open to participating in recovery, are under the care of a physician and are also sticking to their treatment plan.
Cariati Law Can Help
Every long-term disability policy is different, and the policy wording can be complex and confusing.
When you are suffering from an invisible illness such as chronic pain or depression, you are simply not at your best.
The sad truth is that some insurance companies may take advantage of your vulnerability to improperly deny your LTD benefits.
If you or a loved one has been denied long-term disability benefits – especially for an invisible illness – you may not even know where to start. That’s why it is so important to consult with an experienced and knowledgeable Ontario Disability Lawyer.
At Cariati Law, one of our experienced lawyers will review your case and provide an initial consultation free of charge. If you hire us to fight your LTD denial, there is no fee until we make a recovery on your behalf.
If you or a loved one has been denied LTD benefits, contact one of our Ontario Disability Lawyers today at 905 629 8040.