You have worked hard and contributed to a Long-Term Disability (LTD) insurance plan you believed would take care of you if you were no longer able to do your job because of an illness or injury. But what happens when your legitimate claim is denied or payments are prematurely terminated by the insurer? When you are unable to work, the loss of income and the uncertain future caused by an insurance denial can have a devastating effect on you and your family. These denials can go uncontested because many people are unaware that they have the right to seek legal help to get their benefits. Don’t take on the insurance company alone.

Our Long Term Disability Lawyers we believe your future is worth fighting for. We are trial lawyers for the injured and we understand how financially and emotionally exhausting it can be to challenge an insurance company. Your focus should be on your health and well-being. We know how insurers operate and our experienced lawyers will work tirelessly to ensure insurance carriers are held accountable when they deny legitimate disability claims or terminate benefits without justification.

We have the expertise to secure the settlement you need but justice cannot always be negotiated. That is why you need us in your corner. At Boland Romaine, we have a strong trial record with the results to prove it. Insurers know which lawyers are not afraid to go to trial for their clients. Shouldn’t you?

Disability Due To Neurological Conditions

A study by the Government of Canada found about 3.6 million Canadians are affected by neurological conditions. These conditions account for more than half of Canadians requiring continuing care, including those who require home care or are living in a long-term care facility. Not surprisingly, neurological conditions have a tremendous impact on work productivity. According to the study, the rate of permanent unemployment among those with these conditions is 12 times higher than in the general population.

Neurological disorders can affect the brain, spine or nervous system and conditions are wide-ranging. The nervous system is vulnerable to a variety of disorders and can be damaged by trauma, degeneration, infection, tumours, autoimmune disorders or structural defects. Although each person may experience symptoms differently, signs of a neurological disorder can include the persistent or sudden onset of a headache, loss of feeling, loss of sight or double vision, memory loss, tremors and seizures, back pain radiating to the feet or other parts of the body or weakness or loss of strength.

If you are suffering a neurological disorder, it can cause impairments that prevent you from functioning at work. Proving a neurological condition’s impact can be a complex process and the benefits you are entitled to will depend on your insurance policy. At Boland Romaine, we understand those with neurological conditions can be placed in a vulnerable position when fighting for LTD benefits. We have the resources to help prove your claim and we are here to help.

Disability Due To Chronic Pain And Injury

Chronic pain and injury can be caused in a number of ways and the injury you suffer may not be easily diagnosed. That doesn’t mean you are not entitled to LTD benefits. Your injury may not be unique to the insurance company but it is to you. If it leaves you unable to work, your recovery and your financial future is in jeopardy. The last thing you need is an insurance denial.

Pain is subjective. However, when it leads to a disruption in your everyday life and you are incapable of performing tasks essential to your job, you expect that the LTD insurance you paid into will help get you through a difficult time.

You are required to prove your injury exists. That is fair. But what happens if you are experiencing very real and debilitating pain with no identifiable physical source? “Invisible” ailments such as Fibromyalgia — a musculoskeletal condition that causes pain all over your body and can lead to emotional and mental distress — can be difficult to diagnose. But not impossible. Which is why you need a law firm with the experience and resources to take on your case. A claim denial does not necessarily mean the end.

Whether you are unable to work because of chronic pain syndrome, a soft tissue injury that doesn’t show up on an X-ray CT scan or MRI, or if you have been hurt in an accident, the team of Long Term Disability Lawyers at Boland Romaine is here for you.

Disability Due To Psychological Conditions

Mental health issues can have a significant impact on your life, including your ability to work. Disability claims due to these issues are on the rise. Claims can be made for depression anxiety, post-traumatic stress disorder and mood disorders that include bipolar disorder and schizophrenia. However, these so-called “invisible injuries” can be difficult to diagnose and benefits are often denied or terminated by insurers. Unlike diagnosing a broken bone or a disease, there is no X-ray or blood test to prove your claim. But the effect it can have on your life is real and your right to seek Long-term Disability (LTD) benefits should not be ignored.

Mental illness and addiction affect mood, thinking and behaviour and include depression, anxiety disorders and schizophrenia, as well as substance-use disorders, according to the Centre for Addiction and Mental Health (CAMH). They report one in five Canadians experiences a mental illness or addiction problem every year. Sadly, only about half of Canadians experiencing a major depressive episode receive ‘‘potentially adequate care,” CAMH states, adding at least 500,000 employed Canadians are unable to work due to mental health problems in any given week.

Filing an LTD claim can present challenges and it can be stigmatizing when it is for a psychological condition. You are not alone. At Boland Romaine, our Long Term Disability Lawyers will treat your case with compassion and care. We have a large and experienced support staff and team ready to make your case a priority.

Disability Due To Other Medical Conditions

There are many medical conditions that can impair your ability to effectively do your job. Working through the pain is not the best approach. Pain can trigger psychological trauma such as anxiety, depression or even addiction that can further affect your performance at work. A variety of medical conditions can have an impact on everything from your cognitive ability to your motor skills. These can include Lyme disease, a serious tick-borne disease with a wide range of symptoms, rheumatoid arthritis and osteoarthritis, which can severely limit your fine motor skills, or chronic fatigue syndrome, which has no apparent underlying cause.

The COVID-19 pandemic has led to an emerging issue — COVID long-haulers. Most people infected with the virus recover within a few weeks. However, researchers at the British Medical Journal found that about 10 percent of those who tested positive for COVID continue to suffer months later. COVID attacks the body in different ways and can cause damage to the lungs, heart, nervous system, kidneys, liver and other organs. 

Common signs and symptoms that can linger in long-haulers can include fatigue, joint pain, brain fog, muscle pain, depression, fever, cough or dizziness. When a medical condition prevents you from working and your Long-term Disability claim has been denied or terminated, the situation may seem hopeless. However, you should not give up. At Boland Romaine, our Long Term Disability Lawyers we can help you get the settlement you deserve to get your life back on track.