Does carpal tunnel syndrome qualify as a disability in Canada?
Suppose your carpal tunnel syndrome causes you to drop items repeatedly or experience intense pain while trying to work, thus affecting essential duties. In that case, you may qualify for long term disability benefits in Canada. You may also be eligible if your carpal tunnel syndrome developed directly from your duties at work.
Unfortunately, as you already may know, most insurance companies don’t want to pay out for conditions like carpal tunnel. This makes winning your disability claim a little longer and more complicated. To make your insurance company take your carpal tunnel seriously and recognize the validity of your claim, you will need a proper diagnosis and a record of medical tests to document the severity of your pain.
One of the hardest things to prove regarding carpal tunnel syndrome is that you cannot function well enough to maintain regular employment. Keeping a journal to document pain, tasks you could not complete, or missed time at work will be an excellent tool to strengthen your claim. Memory fades - but written words on a page don’t!
Employment and disability rights for carpal tunnel
Taking sick leave is stressful for every working person; no one wants to be let go for health reasons out of their control. Employers may indeed fire anyone with proper notice and reasoning. However, they cannot fire you for a discriminatory reason regarding your carpal tunnel syndrome.
Canada’s human rights laws dictate that employers must assist their employees with a medical condition regarding their carpal tunnel syndrome if it affects their work. So, naturally, sick leave is a reasonable request that employers should accommodate. A doctor's note is required to be granted a leave of absence. The contents of this letter should indicate that you’ll need time off and the length of time needed. When it comes to more prolonged bouts of absence, these notes must be provided consistently. Every three to six months is a general standard for proving you’re still unable to return to work. If your application for long term disability benefits is denied, you can remain on sick leave while you appeal. Most employers will not object to this if you’re still providing doctors’ notes regularly.
You have legal rights if your employer tries to fire you while you’re away on sick leave due to your carpal tunnel syndrome. You have the right to severance pay, and you also may be able to have your termination reversed if their reasoning involves your condition. These situations can become challenging, so having a lawyer to help you navigate these strenuous situations can be an immense relief.
Types of disability rights for carpal tunnel syndrome
Not all disability insurance plans are the same. Here are the typical benefits included in Canadian disability insurance plans:
Paid Sick Leave
Some workers will have a bank of sick time to use in the first days of disability. The intent of this benefit is to allow the worker to have a few days to get back to work. Some workers may have many weeks or even months of accrued time to use.
If you do not believe that you will be able to return to work before your paid sick leave is exhausted, be sure to complete an application for disability insurance benefits right away. You do not need to wait until you have used all your paid sick leave before submitting your application. Also, it is always easier to work on a disability application while you are being paid so don’t wait until your benefits have run out.
Another major reason not to wait to apply for STD Benefits is because of deadlines that may apply. You may miss the deadline to apply for benefits because you are being paid sick leave benefits.
Employment Insurance Sickness Benefits
Your alternative to paid sick leave is government provided employment insurance (EI) benefits. Most workers have fewer than 15 weeks of paid sick leave so EI benefits will make up the difference between the expiry of paid sick leave and a STD Benefit. EI Benefits must be applied for through the government. In order to apply, you must obtain a medical report from your doctor and a Record of Employment (ROE) from your employer.
Go to www.servicecanada.gc.ca for information on the EI sickness benefit and to download the application forms. Service Canada will not process your application until both the medical form and the ROE has been submitted, so be sure to book a doctor’s appointment and request your ROE right away.
Short-Term Disability Benefits
The first of two main benefits in most disability benefit plans are STD Benefits. The purpose of STD Benefits is to provide you with income while you are unable to work due to illness or disability. The Benefit is designed to cover short absences and not intended to be a long-term solution.
STD Benefits provide a weekly or bi-weekly payment for a number of months. The short pay periods are designed to provide you with uninterrupted income while you are absent from the workplace. Most often, you will be required to use accrued paid sick time before accessing your STD Benefits. While cashing in sick time may be frustrating for some, it is wise to accept this condition because the sick time should provide you with more income than the STD Benefit.
The STD payment typically provides for a percentage of your regular weekly earnings or a specific amount of money. The benefit payment calculation details are specific to the policy and set out in the insurance policy document.
Payment examples include:
• The worker will be paid 60% of his or her pre- disability weekly earnings, or
• The worker will be paid $500 per week, or
• The worker will be paid their pre-disability weekly earning, up to a maximum of $500 per week.
Most STD Benefits last between three and six months. If the group plan does not have a LTD Benefit, the worker will have no further benefits under the group policy.
Long-Term Disability Benefits
LTD Benefits are the second major element of most group disability plans. There are some plans, however, that only include LTD Benefits. If your plan has both STD and LTD Benefits, a disabled worker will ‘roll over’ to the LTD Benefit at the expiry of the STD period if they are eligible to do so.
Eligibility for LTD Benefits is not always a given. Workers often earn their eligibility to the Benefits through working continuously for the employer for a number of months.
Eligible workers will be able to make a claim for LTD Benefits if they have been out of work continuously for a specific period of time. This period of time is typically the length of the STD Benefit. This period of time set out in the policy wording is referred to as a “waiting period” or “elimination period”. LTD Benefits will not be paid prior to the elimination period; however, benefits will be paid for the total period of continuous disability if the claim is approved.
Benefit payments under a LTD Benefit are assessed based on a percentage of your pre-disability income. Typically, the benefit will be between 55% and 75% of your regular earnings, or a set amount of money per month. Other polices will have a net formula.
Payment examples include:
• The worker will be paid 66.7% of their monthly pre-disability earnings, or
• The worker will be paid $3,000 per month, or
• The worker will be paid 66.7% of his or her monthly pre-disability earning up to a maximum of $3,000 per month.
The exact payment formula will be set out in the policy document. Be sure to refer to your policy to confirm what the applicable payment formula is for your claim.
The LTD Benefit will make payments on a monthly basis for a set number of years (e.g. 5, 10, 20), or until you reach a certain age (e.g. 60, 65, 67). Some plans may have a benefit termination formula where a mixture of the years a claimant received benefits and the claimant’s age is used to calculate an end date. Generally speaking, the latest date where a claimant will be eligible for Benefit payments is called the Maximum Benefit date.
How to win disability benefits for carpal tunnel
Getting a diagnosis for carpal tunnel syndrome is already a complex process, and now you must prove the severity of your condition to your insurance provider. Your first task will be to confirm that your carpal tunnel syndrome is severe and debilitating enough to prevent you from working.
A diagnosis is essential to your claim; not having an official medical diagnosis is a big hole in your claim. Electrodiagnostic tests are the standard method for being diagnosed with carpal tunnel. Along with an official diagnosis, the insurance company will want to review every test regarding your carpal tunnel to see that you’ve tried everything you can. If even one examination or treatment is missing, they may decide you’re ineligible for disability benefits until you’ve explored every avenue.
Furthermore, the insurance company will want to see that you’ve tried everything to reduce or diminish the symptoms. If your symptoms seem light on paper, the insurance company will see no reason for you to be unable to continue working. For this reason, it’s essential to present solid medical evidence and prove that your carpal tunnel is debilitating.
You must prove that your arms, wrists, and hands do not perform to their prior strength. Simply having the condition will not be enough to ensure a successful long term disability benefits claim. Hiring a lawyer to help you through this process and strengthen your case to present an air-tight claim. Our expert lawyers will be able to identify weak points in your claim that you may not have considered before. Our lawyers have plenty of experience in these types of claims and can help you prove the necessity of your claim without any reasonable doubt.
How to improve your long term disability claim for carpal tunnel
- Official diagnosis from a medical professional
- Prescribed medications or other tools to manage the symptoms of carpal tunnel
- A written description of the tasks you perform at work that exacerbate your condition
How to hurt your long term disability claim for carpal tunnel
- Inconsistencies in your claim file or on your medical record
- A negative attitude towards those assisting you with your benefits claim
- Lack of effort on your part to relieve your carpal tunnel syndrome
- Public posts that directly contradict your claim
- Blocking or stalling reasonable requests regarding your benefits claim
Common reasons for denial of carpal tunnel syndrome claims
Since most insurance companies do not want to offer disability benefits for carpal tunnel, they will use any gap in your medical history to their advantage. If you are missing an official diagnosis, or any other medical evidence relevant to your carpal tunnel syndrome, insurance companies will use this as a reason to deny your claim.
Insurance companies will try to skew, weaken, or misrepresent your symptoms to avoid a pay-out. Even seemingly harmless posts to your public social media pages can be used against you to prove your condition is not as severe as your claim implies. Any contradiction to your story is enough reason to deny your claim.
Even with our expert help, sometimes a person can be completely disabled but still unable to prove it. You may have a firm diagnosis and tests on record, which still may not be enough to get your claim approved.
Fortunately, there is still a chance to appeal. Hiring a lawyer to help you fill any holes in your long term disability claim increases your chances of receiving the benefits you deserve.
What if your claim is denied?
Know that you are part of a large group of Canadians who have had their benefits denied by the insurer at some point during the course of a claim. Those who have been issued a denial letter are those who had their application rejected by the insurer. They were deemed eligible to apply for benefits, but not totally disabled and therefore were not approved for benefits. Those who have been issued a termination letter are those who were approved for benefits but were then found not totally disabled. The insurance company generally chooses to terminate benefits at or before the two-year mark from the date of disability.
For those who have been denied, some will be legit mate because the applicant is not in fact disabled. Other applicants are truly disabled but were simply denied by the adjuster because their application was not strong enough to warrant approval. Of course, the insurer would prefer that denied applicants forgo the appeal process and not sue for benefits.
For those who were approved and then cut off sometime afterwards, the insurer is attempting to ensure that the denial is accepted by the insured during the “own occupation” period. This is ideal for the insurer as it may prevent appeals or legal claims. Thus, it allows the adjuster to close the file well before the Change of Definition date occurs.
You cannot change the fact that the insurance company denied your claim. However, you do have complete control over what you do in response to the denial or termination of benefits.
The options available to the applicant will depend on what is permitted by their policy or plan. In most cases, the applicant can advance their claim to an internal appeal mechanism or commence a lawsuit. If a plan is through a non-profit disability benefit trust fund, it is likely that only an internal appeal mechanism will be available to them. For these workers, they have been denied the right to have a neutral court decide whether or not they are entitled to benefits.
WHAT IS THE DIFFERENCE BETWEEN A DENIAL LETTER AND A TERMINATION LETTER?
It is a bad day for any disabled worker when they receive a denial letter or termination letter. The letter is essentially a rejection of financial support in a time of need and it leaves most people very worried about their financial future. After receiving a letter, some disabled people experience severe declines in their mental or physical health because it feels like their expected safety net has been ripped out from beneath their feet.
What the disabled person does after receiving a denial letter or termination letter is critical. First, be sure that you keep a copy of the letter. Photocopy and safely store a copy of the letter before making any marks on the letter. Any competent disability lawyer will want to see a clean copy of the letter to review at an initial meeting.
The denial letter is also important as it offers a window into the insurance company’s decision-making process on your file. The letter should (but does not always) spell out what information was reviewed and what findings were made with respect to the information in your file. The insurer should explain why your application was denied, or why you are no longer entitled to benefits. For new claims, the denial will typically mention that while your injuries cause you to suffer some restriction, you do not meet the test for total disability. For cases where a benefit termination letter is sent, the insurer will often mention that activities (often from surveillance evidence or information from phone calls) are inconsistent with reported restrictions and limitations. The explanation provided in other circumstances will parrot select wording from the medical expert chosen by the disability insurer. Once you have sorted out why you were denied, you can then determine what you can do to attempt to overturn the unfavourable decision.
Warning! There is a lot of misinformation about insurance policies and the rights that come with them. Do not rely on the word of a union representative, co-worker, or supervisor to explain your rights and ideal strategy when facing an insurance benefits claim. This is especially so where there is no right to sue. While they may have the best intentions, they may not have the best advice. Contact an experienced disability lawyer to avoid a major claims mistake.
