Have you been injured in an accident?
Tell us what happened.
Contact Us For A Free Consultation
or call 1 (866) 308-7722. Get the compensation you deserve.
Fibromyalgia and Chronic Pain Lawyers
An invisible disability can be one of the most challenging conditions for a person to face. When someone has a visible disability with demonstrable physical impairment, others can clearly see that a certain level of accommodation is required. With an invisible disability, describing your symptoms is often all you can do to explain why you may need assistance or have certain limitations. Unfortunately, when seeing is believing, convincing another person that you suffer from a painful and debilitating condition can take a lot of effort - especially if it’s in their interest not to believe you.
Fibromyalgia is a disorder marked by:
- Chronic, widespread musculoskeletal pain.
- Severe fatigue
- Sleep deprivation
- Memory and/or mood issues.
Often unable to work for significant periods of time, people experiencing fibromyalgia’s symptoms may qualify for short- and long-term disability benefits. Although the debilitating pain you are experiencing is very real, insurance companies can sometimes be dismissive of invisible disability claims.
If you are in the process of applying for long-term disability benefits or you believe your application for disability benefits has been unfairly denied or delayed, an experienced personal injury lawyer can help.
A chronic pain disorder.
The history and causes of fibromyalgia.
Although there are reports of people complaining of symptoms of fibromyalgia for centuries, the condition was long misunderstood. Previously considered a mental disorder, by the 1800s it had been reclassified as a rheumatic disorder characterized by:
- Widespread pain.
- Stiffness.
- Fatigue.
- Sleep disturbances.
Doctors discovered that many people with this disorder had common tender points on their bodies. Believing these points were sites of inflammation (which was not the case), the condition was named fibrositis. Renamed fibromyalgia in 1976, the first diagnostic tests were created in 1990. However, fibromyalgia is usually diagnosed by ruling out other potential causes of a patient’s symptoms.
Researchers believe fibromyalgia symptoms develop following changes in the brain and spinal cord that occur following repeated nerve stimulation.
First, there is increased chemical production in the brain associated with pain signals.
Second, there is a tendency for pain receptors in the brain to develop a memory of pain or become sensitized to pain.
These pain receptors cause an overreaction or abnormal pain from non-pain signals.
Although genetics may play a role in fibromyalgia (since the condition appears to run in families), certain infections or traumatic physical or emotional events have been found to contribute to symptoms or cause the disorder to present. According to the Mayo Clinic, fibromyalgia is more common in women than men, and people with rheumatoid arthritis, osteoarthritis, or lupus are at greater risk of developing the condition.
Common symptoms of fibromyalgia.
The most notable symptom associated with fibromyalgia is chronic, dull, aching, pain. The pain must not be isolated in one part of the body, but rather be widespread and affect both sides of the body and occur above and below the waist.
Many fibromyalgia sufferers also experience extreme fatigue and somatic disorders such as sleep apnea and restless leg syndrome. Although many people with fibromyalgia sleep for lengthy periods of time, when they awake they tend to still feel very tired. Moreover, sleep can be disrupted by pain - even if the person is not aware of it.
Fatigue is frequently associated with “fibro fog” - a cognitive impairment that prevents people from paying attention, focussing or concentrating on a task.
These long-lasting symptoms frequently cause fibromyalgia sufferers to experience anxiety and sink into depression. Other common comorbidities (additional conditions) include:
- Chronic fatigue syndrome.
- Migraines and tension headaches.
- Temporomandibular (jaw bone) joint disorders.
- Irritable bowel syndrome.
- Interstitial cystitis (bladder pressure and pain).
- Postural tachycardia syndrome (abnormal heart rate, dizziness and fainting when going from sitting to standing).
Diagnosis and treatment.
Previously doctors would examine 18 common tender points on a person’s body by applying pressure and gauging sensations. If a person experienced pain or tenderness in more than half of these points, it would assist them in offering a fibromyalgia diagnosis.
Since not all people with the disorder feel painful sensations when being tested, diagnostic criteria was revised to a person experiencing generalized pain in multiple areas of the body for a period longer than three months.
Other tests are often administered to help a doctor rule out other conditions known to cause similar symptoms. These include:
- A variety of blood tests.
- Imaging tests.
- Sleep studies.
Diagnosis can take many months and even years. It is important to consult with a doctor who takes your concerns seriously and who is willing to order the appropriate tests to help narrow the potential causes of your symptoms. It is also important to determine whether your doctor believes fibromyalgia is a real condition as there are still people in the medical profession who are skeptical of these kinds of disorders.
Several medications have been approved for treating the pain associated with fibromyalgia:
- Over-the-counter pain relievers containing acetaminophen, ibuprofen or naproxen sodium may help with symptoms.
- Prescription anti-depressants and anti-seizure medications (duloxetine, milnacipran, gabapentin and pregabalin) and muscle relaxants (cyclobenzaprine) are frequently used to reduce pain, improve mental health, and combat sleep-related problems.
A variety of types of therapies have also proven to be beneficial.
- Physical therapy and low-impact exercise can improve muscle tone, strength, flexibility and stamina.
- Occupational therapy teaches people how to adapt their movement and activities to minimize disruption caused by symptoms.
- Counselling or psychotherapy has also been shown to help with the anxiety and/or depression that often accompanies fibromyalgia.
Finally, some research has suggested that anti-inflammatory diets consisting of lean proteins, lots of vegetables and some fruit and grains can be helpful.
When you can’t work.
A chronic condition can greatly affect how you live. The pain, fatigue, mental fog and other physical symptoms common to fibromyalgia sufferers can also significantly impact their ability to work.
Beyond taking occasional sick days, many people with this condition have had to apply for short-term disability benefits if their symptoms prevent them from working for weeks at a time. These benefits (paid from an employer’s plan or Employment Insurance sickness benefits) generally last up to six months to a year and cover between 60 to 100 percent of your salary or average pay. Generally, a short-term disability application includes an explanation from an attending doctor as to why you are unable to work, the extent of your disability, prescribed treatments, and an anticipated date when you will return to work.
If your fibromyalgia prevents you from working after your short-term benefits are exhausted, you may be able to apply for long-term disability benefits. Unlike short-term benefits, to receive long-term benefits a person will likely be required to provide additional medical records and/or be examined by a doctor of the insurer’s choosing.
To be eligible to receive LTD benefits, a person must usually be deemed to be “totally disabled” and unable to work based on the language of the policy. Some policies specify that after a period of time (usually two years), a claimant must be disabled to the point where they are not able to work at any occupation rather than just their own occupation, in order to continue receiving LTD benefits.
Unfair denials or delays.
Although an insurer is obliged to pay benefits to people who are unable to work based on their medical condition and the terms of their policy, sometimes insurers will drag their heels when making a decision in hopes it may force a person in financial distress to give up and try to return to work. Similarly, when an application is unjustly denied, the insurer may be hoping a claimant does not bother to appeal the decision or launch a lawsuit to access the funds they may be entitled to.
Benefits can be denied or terminated if an insurer-appointed medical examiner disagrees with your physician’s assessment, or the insurer’s surveillance suggests you have misrepresented your disability.
In the first case, although the insurer’s chosen doctor is supposed to be independent, there may be pressure to deny some otherwise eligible claims to keep receiving future referral work.
In the latter case, while an insurer is legally permitted to put a claimant under surveillance to avoid fraudulent claims, the evidence gathered by an investigator may not accurately reflect your illness.
For example, doctors often encourage people with chronic pain to exercise, or encourage people with depression to get out and socialize. Insurers may suggest that videos or photographs of this activity is proof that you are well enough to work.
We can help you.
At a time when you are already sick and at a low point in your life, the stress of dealing with uncooperative insurers can make matters worse. You are not alone in this. The long-term disability team at Gluckstein Lawyers is available to assist with your long-term disability claim and to pursue these insurers through the courts on your behalf if you were unjustly denied benefits.
With decades of experience handling long-term disability matters, our lawyers understand what is required to build cases that put plaintiffs in a strong position for settlement talks or for court if necessary. Our extensive network of medical experts can be called upon to review your medical records and offer opinions regarding your disability claim.
Renowned for our commitment to full-circle client care, you can be sure that we put your best interests at the heart of everything we do. Our team will carefully explain the legal process to you, ensure you understand your rights and options, and will always be available if you have questions or concerns.
As one of Canada’s top personal injury law firms, Gluckstein Lawyers has a proven track record of getting results for our clients. To learn more about how our personal injury lawyers in Toronto, Ottawa, Niagara, and Barrie can help you, contact us today for a no obligation, free consultation. You have nothing to lose, but so much to gain.
Related Expertise.
FAQs.
- What is Surveillance in Long-Term Disability Insurance?
-
Surveillance in the context of Long-Term Disability (LTD) insurance refers to the practice where insurance companies may conduct covert monitoring and observation of claimants to investigate the validity of their disability claims. This surveillance is typically carried out by professional investigators who gather visual evidence, such as photographs or videos, to assess the claimant's activities and functional limitations. Here are key points to understand about surveillance in LTD insurance:
- Purpose: The primary purpose of surveillance is to verify the extent of a claimant's disability and ensure that the reported limitations align with their actual activities. Insurance companies use surveillance as a tool to prevent fraud, confirm the accuracy of claims, and protect the integrity of the LTD system.
- Activities Monitored: Surveillance may involve monitoring various aspects of a claimant's daily life, including physical movements, interactions with others, engagement in recreational activities, and participation in events that could indicate the level of disability.
- Covert Nature: Surveillance is typically conducted covertly, meaning that the claimant is not aware that they are being monitored. This approach aims to capture the claimant's behavior and activities in their natural state without influencing their actions.
- Legal Compliance: Surveillance activities must comply with legal regulations and privacy laws to ensure that the rights of the claimant are respected. Investigators must adhere to ethical standards and obtain evidence lawfully.
- Impact on Claims: The results of surveillance can influence the outcome of an LTD claim. If the surveillance footage contradicts the claimant's reported limitations or suggests misrepresentation of disability, the insurance company may use this information to deny or terminate benefits.
- Frequency: Surveillance is not conducted continuously for all claimants but is often employed selectively based on specific factors, red flags, or suspicions raised during the claims process.
- Balancing Privacy and Investigation: While surveillance is a legitimate tool for insurance companies to verify claims, it raises concerns about privacy invasion and the potential misinterpretation of normal activities as evidence of fraud. Claimants have the right to challenge surveillance findings if they believe their disability status has been misrepresented.
Understanding the role of surveillance in LTD insurance can help claimants navigate the claims process effectively, ensure transparency in their interactions with the insurance company, and seek legal advice if they have concerns about the handling of surveillance activities in relation to their disability claim.
Get More Information
- Purpose: The primary purpose of surveillance is to verify the extent of a claimant's disability and ensure that the reported limitations align with their actual activities. Insurance companies use surveillance as a tool to prevent fraud, confirm the accuracy of claims, and protect the integrity of the LTD system.
- How Much Money Can I Get From My Long-Term Disability Benefits?
-
The amount of money you can receive from Long-Term Disability (LTD) benefits in Ontario is influenced by various factors, including the terms of your specific LTD policy, your pre-disability earnings, and the duration of your disability. Here are key points to consider regarding LTD benefits in Ontario:
- Percentage of Pre-Disability Earnings: LTD policies typically provide a percentage of your pre-disability earnings as benefits. This percentage can vary but commonly ranges from 50% to 70% of your pre-disability income.
- Maximum Benefit Amount: Most LTD policies have a maximum monthly benefit amount, which caps the total benefits you can receive each month. This maximum amount is determined by the terms of your policy.
- Duration of Benefits: The duration for which you can receive LTD benefits varies and is specified in your policy. Some policies provide benefits until retirement age, while others have a limited benefit period (e.g., two years, five years).
- Integration with Other Benefits: LTD benefits may be integrated with other disability benefits you receive, such as Canada Pension Plan Disability (CPP-D) benefits or workplace pensions. The total amount you receive from all sources may be subject to offsets or reductions.
- Tax Considerations: LTD benefits in Ontario are generally considered taxable income. However, if you paid the premiums for the LTD policy with after-tax dollars, a portion of the benefits may be tax-free.
- Cost-of-Living Adjustments: Some LTD policies include cost-of-living adjustments to account for inflation, ensuring that the purchasing power of your benefits is maintained over time.
- Return-to-Work Provisions: Many LTD policies include provisions for partial disability benefits if you can return to work on a part-time basis or in a reduced capacity. These provisions may affect the amount of benefits you receive.
To determine the specific amount of money you can receive from LTD benefits in Ontario, it is essential to review your LTD policy documents, understand the terms and conditions of the policy, and consult with the insurance provider or a legal expert specializing in disability insurance claims. They can provide detailed information on benefit calculations, limitations, and any additional factors affecting the amount of LTD benefits you are eligible to receive.
Get More Information
- Percentage of Pre-Disability Earnings: LTD policies typically provide a percentage of your pre-disability earnings as benefits. This percentage can vary but commonly ranges from 50% to 70% of your pre-disability income.
- Why Do Insurance Companies Deny LTD Claims?
-
Insurance companies may deny Long-Term Disability (LTD) claims for various reasons, some of which are legitimate while others may involve errors, misinterpretations, or disputes. Here are common reasons why insurance companies deny LTD claims:
- Insufficient Medical Evidence: If the medical documentation provided does not sufficiently support the severity or duration of the disability, the insurance company may deny the claim due to a lack of evidence.
- Pre-Existing Conditions: Some policies exclude coverage for pre-existing conditions or conditions that existed before the policy came into effect. If the disability is deemed to be related to a pre-existing condition, the claim may be denied.
- Policy Exclusions: Certain policies have specific exclusions for certain types of disabilities, treatments, or conditions. If the disability falls under an exclusion listed in the policy, the claim may be denied.
- Failure to Meet Criteria: Insurance policies often have specific criteria that must be met to qualify for LTD benefits. If the claimant does not meet these criteria, such as the definition of disability or waiting period requirements, the claim may be denied.
- Incomplete Documentation: If the required documentation, forms, or information are incomplete, missing, or not submitted within the specified timeframe, the insurance company may deny the claim due to insufficient information.
- Discrepancies in Information: Inconsistencies between the claimant's statements, medical records, and other documentation can raise red flags and lead to the denial of the claim.
- Failure to Follow Treatment Plans: If the claimant does not follow prescribed treatment plans, attend medical appointments, or comply with rehabilitation efforts, the insurance company may deny the claim on the basis of non-compliance.
- Occupational Duties: If the disability does not prevent the claimant from performing the essential duties of their occupation as defined in the policy, the claim may be denied.
- Surveillance Results: Insurance companies may conduct surveillance to investigate the validity of a claim. If the surveillance results suggest that the claimant's reported limitations are inconsistent with their activities, the claim may be denied.
- Fraud or Misrepresentation: If the insurance company suspects fraud, misrepresentation of facts, or intentional withholding of information by the claimant, the claim may be denied.
Understanding these reasons for denial can help claimants navigate the LTD claims process more effectively, address any issues proactively, and seek recourse if they believe the denial is unjustified. It's advisable to consult with legal counsel specializing in disability insurance claims to explore options for disputing a denied LTD claim.
Get More Information
- Insufficient Medical Evidence: If the medical documentation provided does not sufficiently support the severity or duration of the disability, the insurance company may deny the claim due to a lack of evidence.
- What Medical Conditions Qualify for Long-Term Disability?
-
Long-Term Disability (LTD) insurance typically covers a wide range of medical conditions that significantly impact an individual's ability to work and perform daily activities. While the specific criteria for qualifying for LTD benefits may vary depending on the policy and insurance provider, here are common medical conditions that often qualify for Long-Term Disability coverage:
- Musculoskeletal Disorders: Conditions affecting the muscles, bones, joints, and connective tissues, such as chronic back pain, arthritis, osteoporosis, and fibromyalgia.
- Mental Health Disorders: Including depression, anxiety disorders, bipolar disorder, post-traumatic stress disorder (PTSD), schizophrenia, and other psychiatric conditions that impair daily functioning.
- Neurological Disorders: Such as multiple sclerosis (MS), Parkinson's disease, epilepsy, Alzheimer's disease, and other conditions affecting the brain and nervous system.
- Cardiovascular Disorders: Including heart disease, congestive heart failure, arrhythmias, and other cardiovascular conditions that impact physical functioning.
- Cancer: Various forms of cancer, including leukemia, lymphoma, breast cancer, lung cancer, and other malignancies that require extensive treatment and cause disability.
- Autoimmune Disorders: Such as lupus, rheumatoid arthritis, Crohn's disease, ulcerative colitis, and other autoimmune conditions that result in chronic symptoms and limitations.
- Chronic Pain Syndromes: Conditions leading to persistent pain and discomfort, such as migraines, complex regional pain syndrome (CRPS), and neuropathic pain disorders.
- Respiratory Disorders: Including asthma, chronic obstructive pulmonary disease (COPD), emphysema, and other lung conditions that impact breathing and physical exertion.
- Endocrine Disorders: Such as diabetes, thyroid disorders, adrenal insufficiency, and hormonal imbalances that affect overall health and functioning.
- Degenerative Diseases: Conditions like osteoarthritis, degenerative disc disease, muscular dystrophy, and other progressive diseases that result in physical decline over time.
It's important to note that each LTD policy may have specific definitions, limitations, and exclusions regarding covered medical conditions. To determine if your medical condition qualifies for Long-Term Disability benefits, consult your policy documents, speak with your insurance provider, and consider seeking guidance from a healthcare provider or legal expert specializing in disability insurance claims.
Get More Information
- Musculoskeletal Disorders: Conditions affecting the muscles, bones, joints, and connective tissues, such as chronic back pain, arthritis, osteoporosis, and fibromyalgia.
- Can You Dispute Your Denied Disability Claim?
-
Yes, you can dispute a denied Long-Term Disability (LTD) claim if you believe that the denial is unjustified or incorrect. Disputing a denied LTD claim involves challenging the decision made by the insurance company and presenting additional evidence or arguments to support your claim for disability benefits. Here are steps to effectively dispute a denied LTD disability claim:
- Understand the Reasons for Denial: Review the denial letter from the insurance company to understand the specific reasons for the denial. This will help you address the issues raised in your dispute.
- Gather Additional Evidence: Collect any new medical records, test results, physician statements, or other relevant documentation that strengthen your case for disability benefits. Ensure that this evidence directly addresses the reasons cited for the denial.
- Consult with Legal Counsel: Consider seeking advice from a lawyer specializing in disability insurance law. A legal expert can assess your case, provide guidance on disputing the denial, and represent you in negotiations with the insurance company if needed.
- Prepare a Detailed Dispute Letter: Craft a comprehensive dispute letter outlining the reasons why you believe the denial is incorrect. Clearly present the additional evidence, explanations, and arguments supporting your claim for disability benefits.
- Submit the Dispute: Send your dispute letter and supporting documentation to the insurance company within the specified timeframe outlined in your policy. Use a method that provides proof of delivery to ensure your dispute is received.
- Engage in Dialogue: Stay in communication with the insurance company throughout the dispute process. Be prepared to provide further clarification, answer questions, or provide additional information as requested.
- Consider Alternative Resolution: If direct negotiation with the insurance company does not lead to a resolution, explore alternative dispute resolution methods, such as mediation, to seek a mutually acceptable outcome.
- Legal Action: If all attempts to dispute the denial prove unsuccessful, you may consider taking legal action against the insurance company by filing a lawsuit. Your legal counsel can guide you through the litigation process and represent your interests in court.
Get More Information
- Understand the Reasons for Denial: Review the denial letter from the insurance company to understand the specific reasons for the denial. This will help you address the issues raised in your dispute.
- How Do I Appeal Long-Term Disability Denial?
-
When faced with a denial of your Long-Term Disability (LTD) claim, appealing the decision is a crucial step to seek reconsideration and potentially secure the benefits you are entitled to. Here are the steps to effectively appeal a Long-Term Disability denial:
- Review the Denial Letter: Carefully review the denial letter from the insurance company to understand the reasons for the denial, the policy provisions cited, and any additional information or documentation required for the appeal.
- Gather Supporting Documentation: Collect all relevant medical records, test results, physician reports, and any other evidence supporting your disability claim. Ensure that this documentation addresses the reasons for denial outlined in the letter.
- Understand the Appeals Process: Familiarize yourself with the specific appeals process outlined in your LTD policy. Note any deadlines for submitting an appeal and follow the prescribed procedures to ensure your appeal is considered.
- Draft a Comprehensive Appeal Letter: Prepare a detailed appeal letter addressing each reason for denial, providing additional evidence, explanations, and arguments supporting your claim for disability benefits. Be clear, concise, and organized in presenting your case.
- Seek Legal Advice: Consider consulting with a lawyer experienced in disability insurance law to guide you through the appeals process, review your appeal letter, and provide legal representation if needed.
- Submit the Appeal: Send your appeal letter and supporting documentation to the insurance company within the specified timeframe. Use certified mail or another method that provides proof of delivery to ensure your appeal is received.
- Follow Up and Maintain Communication: Keep track of your appeal timeline, follow up with the insurance company to confirm receipt of your appeal, and maintain open communication throughout the appeals process.
- Consider Alternative Dispute Resolution: If the appeal is unsuccessful, explore alternative dispute resolution options, such as mediation or arbitration, to resolve the dispute outside of litigation.
- Legal Action: If all appeals are exhausted and your claim remains denied, you may consider pursuing legal action against the insurance company through a lawsuit with the assistance of legal counsel.
By following these steps and seeking professional advice where necessary, you can navigate the appeal process effectively and increase your chances of overturning a Long-Term Disability denial.
Get More Information
- Review the Denial Letter: Carefully review the denial letter from the insurance company to understand the reasons for the denial, the policy provisions cited, and any additional information or documentation required for the appeal.
- What Types of LTD Claims Can I Sue For?
-
In Ontario, individuals with Long-Term Disability (LTD) claims may have legal options to pursue lawsuits in various situations. Some potential types of LTD claims that individuals in Ontario can sue for include:
Wrongful Denial of Benefits: If your LTD claim is wrongfully denied by the insurance company, you may have grounds to sue for a breach of contract or bad faith denial. This can involve challenging the denial based on policy provisions, medical evidence, or procedural errors in the claims process.
Termination of Benefits: If your LTD benefits are terminated unfairly or prematurely, you may have a basis to sue for wrongful termination. This could include situations where benefits are cut off without proper justification or where the insurance company fails to provide adequate reasons for ending payments.
Breach of Fiduciary Duty: In cases where the insurance provider fails to fulfill its fiduciary duty to act in the best interests of the insured individual, leading to harm or financial loss, a lawsuit for breach of fiduciary duty may be pursued.
Disability Discrimination: If you believe you have been discriminated against based on your disability status in the context of your LTD claim, you may have legal grounds to sue for disability discrimination. This can include situations where you are treated unfairly, denied benefits, or subjected to adverse actions due to your disability.
Violation of Human Rights: If your rights under human rights legislation in Ontario, such as the Ontario Human Rights Code, are violated in relation to your LTD claim, you may have the option to bring a lawsuit for human rights violations.
Bad Faith Insurance Practices: In cases where the insurance company engages in bad faith practices, such as unreasonably delaying or denying valid claims, acting in a discriminatory manner, or failing to adhere to legal obligations, a lawsuit for bad faith insurance practices may be pursued.
When considering legal action related to LTD claims in Ontario, it is advisable to seek guidance from a lawyer specializing in disability law to assess the specifics of your case, understand your rights under Ontario laws, and determine the appropriate course of action to seek redress for any injustices related to your LTD claim.
Get More Information
- What is Disability?
-
Disability is a broad term that encompasses physical, cognitive, sensory, or mental impairments that may limit an individual's ability to engage in certain activities or perform tasks compared to the general population. Disabilities can be temporary, permanent, or episodic, and they vary in severity and impact on daily functioning.
Disabilities can result from various factors, including congenital conditions, illnesses, injuries, accidents, or age-related changes. The effects of a disability can manifest in limitations related to mobility, communication, cognition, sensory perception, or self-care, affecting an individual's independence and quality of life.
In the context of insurance, such as Long-Term Disability (LTD) coverage, disabilities are typically assessed based on their impact on an individual's ability to work and earn income. Insurance policies define disability criteria to determine eligibility for benefits, considering factors such as medical evidence, functional limitations, and the individual's capacity to engage in gainful employment.
Understanding the nature of disabilities, their diverse manifestations, and the challenges they pose to individuals is crucial for creating inclusive environments, providing appropriate support and accommodations, and promoting equal opportunities for individuals with disabilities in various aspects of life.
Get More Information
- What if my fibromyalgia and chronic pain is a result of an injury caused by someone else's negligence?
-
If your chronic pain results from an injury caused by negligence or fault, your compensation in a lawsuit should account for the chronic pain.
Get More Information
- How can the long-term disability lawyers at Gluckstein Lawyers help with insurance claims for fibromyalgia and chronic pain?
-
Some people suffering from fibromyalgia and chronic pain may find obstacles when they make a claim to their insurance company.
Insurance companies may deny coverage stating that the policy does not cover chronic pain or that not enough proof has been submitted. Tests needed to assess chronic pain disorders and ongoing treatment to manage it can quickly become expensive and may not be covered by OHIP.
If your insurance claim was denied, or if you’re fed up with dealing with insurance companies, schedule an appointment with our long-term disability fibromyalgia and chronic pain lawyers.
Get More Information
- What is Fibromyalgia?
-
Fibromyalgia is a common chronic disorder. It occurs when the brain and spinal cord have heightened processing of touch and pressure, resulting in higher pain sensitivity. People who have fibromyalgia often suffer fatigue. It has physiological and neurochemical components. Those who suffer from it can manage their symptoms and improve their quality of life, but challenges remain.
Get More Information
Team.
Areas We Serve.
Offices
Locations We Serve
Tell us about your accident or injury. We can help.
At Gluckstein Lawyers, the initial meeting is free and without obligation on your part – and we never charge you legal fees until your claim is settled.