Are you struggling to win your long-term disability benefits for Carpal Tunnel Syndrome in Canada? Do you find yourself struggling with your illness, unable to go to work and complete your duties?
If you are in the process of applying for long-term benefits for a disability like Carpal Tunnel Syndrome, or you know that the financial weight is crippling, you know that you may need assistance. All too many insurance companies look at Carpal Tunnel Syndrome as a condition that requires little treatment, and diagnosis can come late.
Many employers are actually unaware of the impact working with Carpal Tunnel Syndrome can have. Additionally, the process of applying for disability benefits can take time and otherwise become a difficult endeavour. The result? A nightmare that could leave you unable to work as you cope with long-term disabilities.
In the following article, you will learn about the challenge of applying for disability benefits that will benefit your long-term goals. If you are looking for disability benefits for Carpal Tunnel syndrome in Canada, there are a few steps you need to take to earn the assistance you are entitled to receive.
Disability Caused by Carpal Tunnel
Do you struggle with tingling or numbness in your hands, wrist, or arms? Do your hands ever become so weak due to Carpal Tunnel Syndrome that you drop items you are holding?
Carpal Tunnel Syndrome is a compression of the median nerves in the wrist. Symptoms are initially felt at night when pain begins to extend up the arm.
The diagnosis comes after electrodiagnostic tests. As gruelling as the process may be, remember that you are not the only one experiencing this condition. Thousands of other Canadians experience Carpal Tunnel Syndrome, which commonly appears during adulthood.
Some Canadians are more at risk of Carpal Tunnel Syndrome than others. For instance, those with certain health problems that impact the swelling of the joints and flow of blood to the arms may be at higher risk. Women over the age of 40 are also likely to experience these symptoms, especially if they partake in activities or work in an environment that requires repeated motions, like typing.
If you type or perform repeated motions at work, Carpal Tunnel Syndrome may prevent you from returning. You might not be able to work at all, especially if you consistently drop items or experience intense pain when you try to type.
Which disability benefits for Carpal Tunnel Syndrome do I qualify for?
As you begin the process of claiming long-term disability benefits for Carpal Tunnel Syndrome in Canada, you may find yourself eligible for one of two different types.
CPP Disability for Carpal Tunnel Syndrome
First, there’s the CPP disability benefit. This plan is meant to provide support post-retirement, but it also applies to disabilities. Once you reach the age of 65, these benefits transition into a regular pension. Think you are eligible for CPP disability benefits? Requirements include working for at least four of the last six years as well as payroll taxes paid off. Additionally, you must prove that your disability is not only long-lasting but also that it is severe enough to prevent you from working. Like long-term insurance companies, CPP benefits are often denied based on specific eligibility factors.
Long-Term Disability Insurance Benefits for Carpal Tunnel Syndrome
Among the most common type of disability insurances are group disability plans. If this is the case for you, it means that you receive your insurance through your place of work. The good news is that your policy will offer long-term and short-term benefits for disabilities. If you suffer from Carpal Tunnel Syndrome, and it has begun to affect your ability to work, you can apply for disability if you are eligible. These long-term benefits will pay out each month while you take time off work, ensuring you do not experience intense financial pressure.
How to win disability benefits for Carpal Tunnel Syndrome
It’s already difficult enough to recognize and diagnose Carpal Tunnel Syndrome. It can also be difficult to ensure that your insurance company takes your condition (and disability claim) seriously. You already know that insurance companies and disability programs do not want to fork over money for conditions like Carpal Tunnel.
One of the biggest points of contention surrounding this condition is whether or not Carpal Tunnel Syndrome prevents you from working. You will be given the task of proving that your condition is serious, preventing you from participating in activities you once considered normal. Essentially, you must prove that you are disabled.
The first step to proving your case? Get an official diagnosis from a doctor. Your insurance company will look for any reason to prevent you from receiving disability benefits, and a lack of diagnosis is the first hole they will look for.
Additionally, the insurance company will look over every bit of testing you have undergone, ensuring that you have received every test necessary to receive the proper diagnosis. If any test or treatment is missing, you may not be eligible for disability benefits unless you receive them.
It is also possible that your insurance company is going to assess whether or not you are taking the steps necessary to appease symptoms. If the symptoms appear mild enough to allow you to return to work, the insurance company may require that you do so. Surgical and non-surgical treatments for Carpal Tunnel Syndrome may be required.
Ultimately, you must demonstrate that your hands, wrists, and arms are severely affected by your Carpal Tunnel Syndrome. It is not enough to simply have the condition. A lawyer will help to ensure that you can make a strong case for your condition, documenting the ways in which you are now unable to use your hands the way you once did.
Insurance companies also want to know if Carpal Tunnel Syndrome is associated with another condition you may have, like diabetes or lupus. In some cases, an insurance company will mischaracterize your health issues or misrepresent some of your evidence. Even social media can be used to demonstrate that you may not be disabled.
Remember, your claim needs to be totally bulletproof with a solid foundation the insurance company won’t be able to shake. Disability lawyers see cases like this day in and day out, and they know exactly how you can prove your case.
It is totally possible that you are disabled but unable to prove that it is so. In fact, even a doctor’s diagnosis is not always enough to prove that you are deserving of CPP or insurance company benefits.
What if your claim is denied?
Now that you have already filled out the necessary forms and have gathered all your evidence, you have received that ominous letter. Unfortunately, it tells you that you do not have the right to collect disability benefits. Your only choice appears to be to go back to work.
This is where things can get tough. You have to figure out where you went wrong, and you may have no idea what you are missing. This rejection can be devastating, adding to the stress of your disability. You are forced to go back to work, wreaking havoc on your mental and physical wellbeing.
In fact, your insurance company might make you feel as if you do not have another choice in the matter. Don’t listen. You do have options.
There is a light at the end of the tunnel. You do not have to accept the letter as the end of your application process. You have the right to appeal a decision made by your insurance company. This is where I come in.
I have experience dealing with insurance companies and disability benefits claims, especially when it comes to cases like Carpal Tunnel Syndrome. I know the emotional and physical pain associated with this condition, and I know that you do not have to let insurance companies deny you the support the law entitles you to.
Are you interested in learning more about alternatives in the event that your claim is denied by the insurance company? You have the right to learn about the appeal process. Take a look at my books, available for free. You deserve to learn about some of your options.
Learn about winning long-term disability benefits for Carpal Tunnel Syndrome. If you are pursuing other options, you might consider our free guide to winning long-term disability insurance benefits for this condition.
These cases can be quite difficult to win, but they are not impossible. With the right team on your side, you can win. Documenting your loss of fine motor skills is essential to creating a solid case, but only a lawyer can help to ensure that your documents result in a winning case. It can start with documenting your housekeeping abilities and eventually develop into showing your inability to continue going to work, where repeated motions exacerbate your condition.
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