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Long-Term Disability Claim Denials for COVID-19 Long Haulers

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Long-Term Disability Claim Denials for COVID-19 Long Haulers

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.
Long-Term Disability Claim Denials for COVID-19 Long Haulers

COVID-19 and Canadians

Although details are still coming in, a recent study conducted by the Public Health Agency of Canada found that about half of COVID-19 patients were still dealing with symptoms more than 12 weeks after their positive diagnosis. These patients, known as “long haulers,” are now concerned that about their long-term disability claims as proving disability from COVID- 19 is difficult. As a result, many of those with post-Covid Syndrome disability claims are left waiting as insurance companies continue to ask for proof of their symptoms.

What Are The Symptoms of Long-Hauler Syndrome?

Just as COVID-19 seems to affect each person differently, Long Hauler Syndrome as it has been called also seems to be different for each person. In addition, testing to determine why someone still has symptoms often find no cause. Many long-term COVID symptoms and disability claims filed show people suffering from overwhelming fatigue, cognitive problems, cough, muscle pain, headache, sleep problems, and cardiac issues. Unfortunately, testing conducted on those complaining of long-term disability due to COVID does not show any damage to the heart, lungs, brain, or muscles, making it difficult for doctors to specifically state that those suffering are permanently injured or whether the symptoms will become lessened over time.

Can I Get Disability for COVID-19 Syndrome?

Many long haulers are seeking long-term disability for the symptoms they say are debilitating. Another issue facing some dealing with post-COVID Syndrome disability is that they may not be able to prove they even had COVID. Some caught the virus early when Canada was limited on the number of tests they could give and, in some cases, tests were not given if family members had tested positive. In one study, less than 60 percent of those suffering from long hauler symptoms were never tested for COVID-19. This makes it much more difficult for long-term disability insurers to approve claims as there is no method for documenting that the symptoms were caused by COVID-19. In addition, because medical tests show no cause for the symptoms, long-term disability companies are wary of approving claims.

How Can I Qualify for COVID Long-Term Disability?

Doctors and insurance companies are recommending that anyone suffering from long-term disability due to COVID-19 keep detailed records regarding their symptoms. This is similar to what those who have chronic fatigue syndrome or chronic pain must do in order to receive long-term disability. Post-Covid Syndrome disability discussions should be with a family doctor, although many Canadians do not have access to a family physician, something the Canadian Medical Association has encouraged the government to address. However, this process only works for those who have long-term disability, something only 12 million Canadians have. For those without long-term disability, they may need to rely on government assistance which is very limited.

What Do I Do If My COVID Long-Term Disability Is Denied?

The fact is that long-term disability claim denials for Covid-19 long-haulers are not uncommon. Some have been fired from their jobs and some have sought government assistance. Unfortunately, most long-term insurance companies do not yet recognize the syndrome exists or they believe improvement could occur. In order to receive assistance, you must prove that you have a disability that affects your ability to work, a medical diagnosis, and a disability that is expected to last at least a year. Because COVID-19 still has many unknowns, long-term disability companies are not willing to agree to payments when it is possible that the person filing may improve over time. If your claim is denied, you need to file an appeal for the denial. You will also want to provide as much information as possible, including doctor notes, test results, and anything else that may demonstrate that you are suffering from long-term disability due to COVID-19.

Get Help

Because long-term disability and COVID-19 are still very much unknown, you may expect to receive long-term disability claim denials for Covid-19 long-haulers. It is highly recommended that you contact a lawyer for guidance on how to get long-term disability for your symptoms. Many of those who have been denied long-term disability for post-COVID Syndrome disability are seeking legal action against the insurance companies who have failed to approve their claims. If you are suffering from long-term disability due to COVID-19, contact our office to see how we may be able to help. You can arrange for a no-obligation consultation to see what we can do to help you get your claim processed and approved, relieving you of the financial pressure that may also be contributing to your recovery.

Disclaimer: The content of this article is a general guideline made available for educational purposes only and is not intended to be used as legal advice for the reader’s specific situation nor in general. By reading our blog and website content, the reader acknowledges the above and understands there is no lawyer-client relationship created between you and Himelfarb Proszanski through this content. To get specific legal advice, we encourage you to book a free consultation with one of our lawyers to clarify the legal aspects of your situation.

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Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

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Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

Timing is Critical. Help is Free.

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

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What They Say About Us

Sherene AlySherene Aly
16:02 23 Mar 24
I was very pleased with my decision to retain David and his team for my case. Melissa Gizzo was simply amazing and was able to secure a fair settlement for me.
T TT T
17:46 16 Feb 24
Experienced and excellent law firm. Their lawyers are wonderful, articulate, dilligent, amicable, calm, respectful, responsible, resourceful and have good human and customer relationships Especially DAN HOLLAND 👌 He is an amazing lawyer as regards dealing with any of the Accident case.I was involvedIn an accident in 2019 February. He was God sent as he dutifully and relentlessly worked hard until the case was settled
LizLiz
22:43 18 Jan 24
I highly recommend Dan Holland as a disability lawyer. His commitment to my case made the process seamless. Dan's clear communication and ability to simplify complex legal matters made it easy for me to understand every step. He demonstrated genuine concern for my best interests, making him not only a skilled attorney but also someone easy to talk to.Dan’s support extended beyond legal expertise; he alleviated my stress during the long-term disability case. His calm approach and unhurried demeanour ensured that there was no rush in our collaboration. This, coupled with his dedication, made the entire experience more manageable, fostering confidence in his ability to handle the case with meticulous care.I wholeheartedly endorse Dan for anyone seeking a lawyer who not only gets results but also prioritizes your peace of mind.
Neeshanth SritharanNeeshanth Sritharan
21:49 01 Jan 24
My mom was involved in an accident impacting her daily life and ability to work. Dan Holland has worked with us during the duration of our case and has been helpful in fighting for her and supporting us, and organizing the things we needed. Our family is incredibly grateful of the outcome Dan was able to obtain for us. I would highly recommend him!
Faiza HamidFaiza Hamid
01:26 22 Dec 23
I'm so happy I chose Mena Brar and her team represet us . We could not ask for a better team she is so kind, loyal, and honest. she spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. I appreciate you. Did it for me and how this will help me get back on track with my life. keep helping others. You are doing amazing works, Mena Brar. I wish you all the best.
Brenda FurtadoBrenda Furtado
23:38 12 Dec 23
Many thanks to Silene Malhao for settling my husband's TORT claim and to Mena Brar for settling his accident benefits claim. These ladies made themselves available any time we had a question. They were very understanding and compassionate. We were completely taken care of throughout this process. We would definitely recommend this team to friends and family!
ShaunaShauna
15:52 06 Dec 23
We are so happy that we had David and his team represent us. We couldn't have asked for a better team. Not only is David incredibly skilled and experienced, he is kind and compassionate and it is clear how much he cares for his clients. Megan was also absolutely amazing to work with and was always on top of everything and there to answer any questions we had! Thank you!
Andrew CoutoAndrew Couto
23:10 21 Nov 23
I'm so happy I chose David as my lawyer. I spoke to a few lawyers before finding David and I noticed majority of them spoke to me in a way that felt demeaning or that my case wasn't big enough or important enough to take. One phone call with David and my opinion on lawyers changed. He spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. The whole process was wonderful. From dealing with David's law clerk Ingrid whom is an amazing and kind woman to his legal assistant Melissa whom is another amazing kind and talented young woman. I was so stressed about this case but from day 1 they helped ease that stress and always answered all my questions promptly and respectfully. I couldn't believe David got me to mediation within 6 months of being cut off my LTD and got me a settlement way beyond my expectations. I can't say enough good things about this law firm but I guarantee you that if you need a lawyer to fight for you David is your guy! . Believe me when I say this is the law firm for anyone dealing with personal injuries especially LTD denial claims. Thank you so much to David, Ingrid and Melissa you truly don't know how much I appreciate all you did for me and how this will help me get back on track with my life. Keep helping others you guys are doing amazing work! I wish you all the best!
Rose RegazziRose Regazzi
21:15 11 Oct 23
I sustained a relatively painful injury, affecting me long term.I wouldn't otherwise had pursued it, as it involved a relatively large corporation, but felt it necessary to do so. However, many lawyers were daunted, with one, who actually referred me to HIMPRO.I was connected with Dan Holland, who reviewed the case, provided with me realistic expectations, sound advice and had a willingness to move forward and represent me.His calm and professional demeanor, brought me to a place of reassurance. His ease in addressing all facets of this process, clearly demonstrated a wealth of experience. There was never any hesitation, when being challenged, and felt my best interest was always in the forefront.This case has since been resolved, to my complete satisfaction.Without reservation, HIMPRO (and Dan Holland, in particular), would be the only firm I would recommend for these type of cases.
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