The COVID-19 pandemic is having a negative impact on our mental health. People are struggling with fear, isolation, uncertainty, concern for the wellbeing of loved ones, and worry about employment and finances in uncertain economic times. Some would argue Canada was already in the midst of a mental health crisis prior to COVID-19, and the virus has only added to the problem.
A recent study undertaken by the Canadian Mental Health Association found that 40 percent of those surveyed reported their mental health had deteriorated since the COVID-19 outbreak began. For those suffering from a pre-existing mental health issue, such as depression or anxiety, 61 percent reported a decline in their mental health.
Another study noted 81% of Canadian workers felt the pandemic had an adverse affect on their mental wellbeing.
For some people, depression, anxiety, or other mood disorders make it impossible to continue working. Short term disability and long term disability insurance may provide some financial relief. STD and LTD insurance is typically offered by employers as part of a group benefits package, but is also available to those who purchase an individual policy. Disability insurance, whether short term or long term, pays a percentage of pre-disability income, and continues to pay as long disability persists, subject to the terms and conditions of the policy.
Anecdotal evidence suggests that long term disability claims are up owing to the negative impact of COVID-19 on mental health. Certainly long term disability lawyers have noticed an increase. Unfortunately, many of these claims are denied, often because of insufficient medical evidence. Frequently these denials are improper, especially when the inability to return to work is supported by a doctor. Even though the LTD denial letter states there is an option to appeal, consider consulting a long term disability lawyer first. Most will agree to a free consultation, outlining your options and the best course of action.
Michael Jordan is a Toronto long term disability lawyer with additional offices in London and Ottawa, serving all of Ontario. If your LTD claim has been denied, or if you have any insurance related questions, contact Michael for a free consultation. He answers all calls and form submissions himself, and response time is usually immediate.