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Chronic Pain

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 Stuart M. Ghan
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Jagmohan Singh Nanda
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Long Term Disability Benefit Claim – Chronic Pain


Chronic Pain Disability Claim

Are you having recurring pain for an extended time period? If you are suffering from regular aches from an old injury, it may be chronic pain. If you are unable to work because of the pain, it is time to take action. You may qualify for Long Term Disability (LTD) Benefits if you have symptoms of chronic pain and coverage for long term disability.

Chronic Pain – What is it?

Do you know that more than 6 million Canadians are afflicted with chronic pain? Having chronic pain can give you a very low quality of life. In this debilitating condition, the pain persists over a long period such as many months or years.

It can occur as a direct result of any past injury. It is a medical condition that can occur due to accidental injuries, collisions, slips, falls, fibromyalgia, psychosomatic pain arising from the psychological trigger, cancer, and nerve damages, etc.

Some symptoms of chronic pain can be continuous body aches, poor sleeping patterns, fatigue, depression or reduced energy levels. It can prevent you from working and going about your daily life.

Long Term Disability Benefits for Chronic Pain- Basic Guidelines

If you are unable to perform basic tasks at work or in daily life, you may be eligible for LTD benefits arising from your chronic pain. This coverage is designed to provide an income replacement if a person is unable to work due to chronic pain resulting from a past injury or illness.

If you have long-term disability coverage from your employer group insurance plan or an independent insurance policy, you may be covered.

Supporting medical documentation is necessary for a favorable outcome in a long term disability claim. A connection needs to be shown between the past injury or illness, the current chronic pain and an inability to perform tasks at work. The credibility of the claimant is important for a successful LTD chronic pain claim.

The affected person’s continuous efforts to get better are also essential and need to be supported with documentation. A physician’s medical assessment is required to support the claim.

How We Can Help

We understand that there are challenges in making a strong claim as chronic pain may not be visible. Being denied the benefits can be very upsetting. In such a circumstance, it is vital to take charge and understand your options. We will make sure to present robust legal and documentary evidence for your case so that total disability can be established to achieve favorable results.

We will ensure that you are comfortable in interacting with our caring team who speak more than 15 languages including but not limited to English, French, Spanish, Italian, Portuguese, Albanian, Hindi, Punjabi, Kannada, Telugu, Tamil and Bengali.

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