What medical conditions qualify for disability benefits at Midland?

Statistics show that nearly one-third of people with severe disabilities continue to work. If you are one of these people, you may be wondering “what conditions qualify for disability benefits in Ontario”?

This is both a common and complicated question. This is common because 22% of Canadians aged 15 and over report having at least one disability. And it’s complicated because the eligibility criteria aren’t clear.

So what conditions are eligible for disability benefits?

Many medical conditions can potentially qualify for disability benefits, but it depends on the degree of disability and whether the disability meets the requirements of your benefits plan and program. The determining factor is the level of impairment rather than the name of your diagnosis.

What are the challenges?

Each medical condition comes with its own challenges. Mental illness, for example, is an invisible disease that cannot be detected in a diagnostic test. In many cases, an insurance company will often dismiss a doctor’s assessment as not convincing enough. “Insurance companies don’t tell you that they’re looking for every way not to pay benefits,” said Samantha Share, assistant managing director at Share Lawyers. “They often refer to the fact that they asked their medical adviser to review the claim and base their decision to deny benefits on the review opinion of the documents from this anonymous medical adviser.”

With one in three workplace disability claims in Canada related to mental illness, this is alarming.

Disability insurance policies are not all the same

To be eligible for long-term disability benefits, you must establish that your medical condition prevents you from performing your job or any job for which you are qualified. However, different insurance companies, such as RBC Insurance, Manulife and Sun Life (to name a few) use different (but similar) language to define what constitutes total disability under their respective long-term disability policies, and it is important to review and understand the precise definition of total disability that would apply to your claim. Use this free online tool to find out how an experienced lawyer can help you manage your claim.

What medical conditions qualify for long-term disability?

Assuming you don’t have an excluded condition, you may be eligible for long-term disability benefits if your medical condition prevents you from doing your regular job. Some common injuries and medical conditions are:

Fibromyalgia and chronic pain
Mental health problems
Back and neck injuries
Cancer
Mood disorders
PTSD
Migraines, chronic headaches

Medical conditions that may qualify for long-term disability benefits and are often overlooked include scar tissue, spinal cord and nerve damage, bowel disease, and gender dysphoria.

Although some conditions may not appear to be disabilities, they can nevertheless negatively affect a person’s life. They may need care, support and expert legal assistance to ensure their application is approved.

Have your disability benefits been denied at Midland? What’s your next step?

Applicants who are denied disability benefits should use one of the free online tools available to find out if they have a valid disability case and should not wait to call a disability attorney. The longer they wait, the longer they will remain without income. Samantha Share said: ‘A disability lawyer can initiate the appeal or prosecution process immediately. They can also make suggestions as to other forms of income that may be available to the applicant during the waiting period.

About Antoine L. Cassell

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