Mental Health Week and Disability Claims

Mental Health Week 2018

One of the leading causes of disability in Canada, mental illness affects one in five Canadians every year with about eight per cent of adults experiencing a major depression. Mental illness is serious and it is largely misunderstood considering its ability to impact the social and professional lives of those it affects.

Mental Health Week brings awareness

Mental Health Week seeks to bring awareness to this “invisible illness”, to reduce the stigma around it and to encourage conversations about mental illness and mental health. Sadly, stigma and shame keep those suffering with mental illness from seeking the treatment they desperately need. Lack of awareness and understanding isolates people from the support of their family, friends and co-workers. This is especially true for those who are filing disability claims.

Mental Health Week and disability claims

Mental health awareness is imperative in filing a disability claim. A successful claim requires proof of treatment. It requires a clear understanding of the illness and the limitations of the claimant. To make a claim, the insurance company will need to know how the illness affects the claimant’s ability to perform their job as well as information and observations from a doctor. These are all much easier to obtain when the stigma is removed and there is awareness, understanding and open dialogue about mental illness.

The CMHA provides the following statistics to create greater awareness of the disease.

* By age 40, about 50 per cent of the population will have or have had a mental illness.

* Anxiety disorders affect 5 per cent of households, causing mild to severe impairment.

* Approximately 1 per cent of Canadians will experience bipolar disorder.

* 1 per cent of the Canadian population is affected by schizophrenia.

* 49 per cent of those who feel that they suffer from depression or anxiety have never been to see a doctor about it.

* Stigma/discrimination presents a serious barrier to diagnosis and treatment and acceptance in the community.

The Canadian Mental Health Association, founded in 1918, is one of the oldest voluntary organizations in Canada. Each year, they provide services and supports to more than 1.3 million Canadians through the combined efforts of more than 11,000 volunteers and staff across Canada in over 330 communities.

If you or someone you know needs assistance in filing a disability claim, please contact us for a free consultation. We understand, we care and we are here to help.

Disability Insurance and disability claims. The long and the short of it.

Disability Insurance – The Long and Short of It

Life happens and it’s never predictable, making it difficult to plan for the trials and tragedies that come our way. Sadly, good health and well-being are not guaranteed. This is where disability insurance comes in. Accidents happen and poor health finds us. Thankfully, we can purchase insurance to protect ourselves long- or short-term.

What does disability insurance cover?

In the unfortunate circumstance that we are temporarily unable to work, short-term disability insurance will replace wages as a temporary provision until we are able to return to work and resume our responsibilities. When an illness or injury prevents us from returning to work altogether, long-term disability insurance comes into effectas a permanent income replacement.

Short-term disability insurance replaces wages when we are temporarily unable to work due to injury or illness. Long-term disability insurance provides financial coverage long-term. It affords a more permanent income replacement when a medical condition prevents you from working altogether.

For the most part, disability claims are not dependent on a strict set of criteria and when an injury or illness prevents us from doing our jobs to earn wages, we look to long-term disability insurance.

In a perfect world, this would be a seamless process, but sometimes insurance companies try to find loopholes and attemp to reassign people to another job within the scope of their training and education.

Since every insurance policy is different and some exclude different types of injuries, it is always wise to read a policy carefully before investing in and accepting its terms.

When do you start a disability insurance claim ?

When accidents and illness happen, it is wise to start a claim straight away. Sometimes it can take time to resolve the details while insurers work to determine what the injured are entitled to. There are cases where a disability can be more complex and the injured party will have to make a case about the severity of the disability and its impact on the his/her life.

If you are ill or injured, make sure that you keep records of all of your medical visits and follow the doctor’s orders.

Sadly, there are times when long-term disability benefits are denied by the insurance company. In these cases, it is advisable to seek the help of a lawyer who can help you navigate the claim and help you to get what you deserve to help you rebuild your life.