Are you among the 19% of people in Canada living with Chronic Pain that severely affects your quality of life? Beyond the medical aspect of diagnosing and treating chronic pain, you might be wondering what benefits and support exist to help you cope with this debilitating condition. Before covering the long term disability insurance benefits you might qualify for and how to build a winning claim, let’s examine the different chronic pain conditions and how they relate to long-term disability.
Common Chronic Pain Conditions Leading to Long-Term Disability
First, how do you define chronic pain? Being a symptom of several different conditions or illnesses, chronic pain is an ongoing or recurrent pain which lasts longer than the usual time it takes for an acute illness or injury to heal, typically more than three to six months. At that stage, one experiences Chronic Pain Syndrome, or “CPS”.
Chronic pain may manifest itself in many areas of the body, including:
While the cause of chronic pain may be directly related to an injury or illness, it might also be unknown.
Other conditions or medical illnesses that can lead to Chronic Pain Syndrome include:
Which Disability Benefits Can Chronic Pain Qualify You For In Ontario?
If you are able to prove how chronic pain prevents you from working, you could qualify for one or both of the following benefits in Canada:
- Canada Pension Plan – CPP Disability Benefits: you can apply for disability benefits from your Canada Pension Plan as you would apply for other long-term disabling conditions.
- LTD Benefits from Private Insurance: you may be able to claim benefits if you are covered under such disability insurance policies through your employer, or as part of a group coverage health insurance plan. Like other disorders, you will need to make your case for total disability to access long-term disability benefits usually after the initial short-term benefits end.
How to Prove Your Claim to Receive LTD Benefits for Chronic Pain
Applying for and securing long-term disability benefits for chronic pain can be an exhausting and challenging process. It’s important to apply as soon as you can, and making sure the application is as complete as possible.
Chronic pain is one of several “invisible disability” disorders. As such, proving your claim is especially difficult, as you first need to prove that you are actually suffering from the condition, as well as prove “total disability”, as defined by your long-term disability insurance policy, i.e. your inability to work in your own occupation or any occupation.
How an Experienced Disability Lawyer Can Help You
After your claim has been denied, seeking out an experienced disability lawyer in the Greater Toronto Area (GTA) should be your next step. He or she will examine your situation in order to build a plan on how to secure or recover your long-term disability benefits. This step includes looking at the reasons given by the insurer for denying your claim. If the lawyer’s handled many cases involving chronic pain disorders, they will know what critical documentation needs to be gathered and what steps to take to build a winning case.
In our 20+ years of reversing disability claim denials, it’s our experience that insurance companies don’t take you seriously until you retain a reputable disability lawyer with a proven track record of success.
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We started our disability claim with a lawyer who looked good on paper, but was completely ineffective. We sought out David after a year of getting nowhere but into debt.
David settled our case efficiently and fairly. His office held my hand through the difficult proceedings and always left me feeling supported.
I’m so grateful for Katherine, David, Maritza, and the many others who helped us along. With the suit behind me, I can focus on healing again and put the stress of the battle behind me. I have already personally recommended this firm to a friend.
Lucy Goddard – Toronto ★★★★★
Your Claim to LTD for Chronic Pain Has Been Denied: What Do You Do Next?
Insurance companies routinely deny long-term disability claims for chronic pain. Most people will not challenge the denial – often because they feel powerless. Do not give up hope. If your claim has been denied or your benefits cut-off, you need to consult an experienced disability lawyer who can help recover your benefits with the right strategy.
The seasoned disability lawyers at HIMPRO have helped many other people suffering from chronic pain in Ontario recover their LTD benefits after a denial or termination of benefits. They can do this for you as well.
Schedule a free consultation with our team today, so we can start examining your situation and come up with a plan to recover your benefits as quickly as possible.
Why Choose HIMPRO?
Himelfarb Proszanski’s disability team has a strong reputation of successfully handling disability claims in Ontario. Some major local law firms refer us their client’s disability cases. Our track record of successfully handling 97.5% of denied disability claims proves that insurance companies take us seriously.
We provide a combined century of trial experience which has led to the successful settlement of over 3,000 cases with combined settlement value in excess of ½ billion dollars. And finally, we’re the only firm to offer you the HIMPRO Advantage™.
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