Archive for the ‘Reasons for Denial of Disability Claims’ Category

Reasons Claims are Denied #4 – “Workplace Conflict”

Conflicts with co-workers and management are regular occurrences in all manner of workplaces throughout Canada. Disputes with co-workers can arise over personality clashes, jealousy, gossip/backbiting, sexual harassment and competition. Disputes with supervisors and management can occur as a result of unfair performance reviews, salary and bonus issues, overtime, and excessive workloads. Whatever the reason, workplace […]

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Reasons Claims are Denied #3 – Surveillance

Surveillance is a common tool used by disability insurance companies during the adjudication of a disability claim. The insurance company will hire an investigative firm to secretly take photos and video footage of a claimant and observe a claimant’s activities. If the insurance company believes the surveillance proves the claimant is capable of working, then […]

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Reasons Claims are Denied #2 – No Restrictions or Limitations

A common reason that a disability insurance company will cite to deny a long-term disability claim is that there are no “restrictions or limitations”. Essentially, the disability case manager has reached the conclusion that the medical condition the claimant is suffering from and the symptoms the claimant is experiencing are not severe enough that they […]

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Reasons Claims are Denied #1 – “No Objective Evidence”

Disability insurance companies often deny legitimate disability claims on grounds that there is “no objective evidence of disability”. This reason can be expressed in several alternate ways. For example, that symptoms are “self-reported” or “subjective in nature”.  However couched, the fundamental message is that the insurance company does not accept you are experiencing severe pain […]

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