• at October 29, 2018

    Ugh, life. Sorry in advance, but if you will kindly indulge me for a moment, because I need a place to vent. I’m soooo frustrated right now.

    My sister has a mental illness and I’m her primary caregiver. The medical expenses for taking care of her are ridiculously high, so every type of monetary compensation helps. Recently, I applied for a mental illness claim, and I assumed my sister’s condition was a pretty clear-cut case of eligibility, or so I thought anyway. Well, apparently not. I got DENIED.

    Have any of you been through this? If you did, how did you manage to turn it around? Did you appeal? Please explain the process if you can, because I really need this claim to go through.

  • at October 29, 2018

    I think one of the biggest reasons is if there isn’t any (or enough) medical evidence. I think mental illnesses still aren’t taken as seriously as other illnesses. I suppose it is because it is considered to be ‘invisible’.

    I would also think that there are those who do not think it is real enough. It can be hard to understand, unless you or someone close to you is going through a mental illness. It can’t really be measured I suppose. It’s not like you can get an X-ray to prove it. I also think that insurance companies are on their guard because it is something that the scammers can try to manipulate. This does not help genuine cases, does it?

  • at October 29, 2018

    Medical evidence? You mean like a doctor’s diagnosis? I have that.

  • at October 29, 2018

    You must have medical evidence and if you do, that will go a long way in helping your claim. However, it can still be denied, despite the evidence. I went through this and as you can imagine, I was pretty upset. I wasn’t going to take it lying down, so I got Disability Lawyer Toronto to help me turn it around.

  • at October 29, 2018

    Good for you!

  • at October 29, 2018

    Sometimes, you may be turned down and it could actually be your own fault. For example, if you have a mental illness and you did not get treatment for it from a qualified medical practitioner, then you may be turned down. You must play your part too. It will give you a better chance of succeeding in your claim.

    Sometimes, people with a mental illness may not take their medication as prescribed to them. Their claim may be denied. A lot of these mental conditions require you to see a psychiatrist. They can prescribe medication for you. Generally, psychologists and other therapists cannot because they are not doctors of medicine.

    Remember one important thing here; even if you see your family doctor, this is actually not good enough. Your family doctor is very likely just a general practitioner. He or she is not a specialist to treat specific mental illnesses. That means, even if you do see your doctor, your claim may be turned down. In fact, you can expect it to be.

  • at October 29, 2018

    Sometimes, there may be a clause in a policy about a pre-existing condition. If this is the case, then you won’t receive anything. I don’t know if you can appeal against this, but it would be worth asking a disability lawyer’s advice though.