Serving all of Canada. Book a consultation with us.

Neurological Disorders and Long-Term Disability Benefits in Canada

Neurological disorders encompass a wide range of conditions affecting the brain, spinal cord, and nerves, often leading to significant challenges in daily life and work activities. Understanding their impact on long-term disability benefits is crucial for affected individuals.

At Preszler Injury Lawyers, our long-term disability lawyers are committed to helping individuals affected by neurological disorders pursue the long-term disability benefits they deserve. Whether you’re filing an initial claim or your application has been denied, we may be able to help. To discuss your situation with a legal professional, contact us today.

Understanding Neurological Disorders

Neurological disorders include conditions such as:

Every neurological disorder comes with unique symptoms and functional impairments. These disorders can affect movement, cognition, sensation, and overall neurological function.

When an individual suffers from a neurological disorder, they may be unable to work the same amount that they did before. In more severe cases, an individual may not be able to work at all while navigating their neurological disorder. In these cases, long-term disability benefits may be available to help individuals supplement their income while they recover.

Neurological Disorders and Long-Term Disability

Many neurological disorders can qualify individuals for long-term disability benefits if they result in substantial impairments that prevent them from performing essential job duties. Conditions like MS, Parkinson’s, and epilepsy may progressively worsen, necessitating ongoing support.

Most long-term disability policies cover neurological disorders when they result in significant functional limitations or disability. LTD coverage may be available through an employer-sponsored policy or a private policy the individual has purchased independently. Understanding policy coverage specifics related to neurological conditions is essential to obtain the compensation you need while you’re unable to work.

To secure disability benefits for neurological disorders, you may need to provide your insurer with comprehensive medical documentation, including diagnosis, symptoms, treatment history, functional limitations, and prognosis from healthcare providers. In addition, you’ll need to be able to prove that your condition or the symptoms resulting from your condition have rendered you unable to work fully or partially.

What To Do If My LTD Benefits Have Been Denied for a Neurological Disorder?

Denials for LTD benefits happen for a variety of reasons. When you have a neurological disorder and are seeking coverage, your application may be denied due to:

  • Insufficient medical evidence
  • Pre-existing condition clauses in your policy
  • Failure to meet the “definition” of disability according to your policy
  • Suspected misrepresentation or fraud
  • Failure to follow treatment plans
  • Missing deadlines
  • And more

LTD providers might also misinterpret the symptoms of your neurological disorder or encounter administrative issues during process. Knowing the reasons why your LTD benefits were denied is crucial so that you can pursue an appeal promptly.

During the appeal process, you’ll need to gather and submit additional medical and financial evidence to help strengthen your case. When examining this documentation, LTD providers will look to confirm the severity of your neurological disorder and its legitimate impact on your ability to work.

Consulting with an experienced long-term disability lawyer is recommended if your benefits are denied. They can help you communicate with your insurance provider and, if necessary, pursue an appeal. They’ll evaluate denial reasons, gather additional medical evidence, and advocate effectively for benefits on your behalf.

Contact an LTD Lawyer About Your Neurological Disorder Today

Individuals facing LTD denial due to neurological disorders should seek legal representation promptly. Disability lawyers can protect rights, negotiate with insurers, and pursue rightful disability benefits to support quality of life and independence. To discuss your situation with our team at Preszler Injury Lawyers, schedule your free initial consultation online or call 1-800-JUSTICE® today.