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It's been a long time since
you've felt like you.

Post-COVID, Long-COVID, Long-Haul COVID
It doesn't matter what it's called.
It also doesn't matter if you tested positive.

The symptoms of Post COVID Conditions (PCC) can vary from person to person and may be similar to many other serious medical conditions, including "invisible" conditions. We have decades of experience working with client to prove their disability claims for "invisible" conditions.  We know how to prove disability due to PCC. 

Post COVID Conditions may be new to medical professionals

but the skills and strategies needed for proving LTD claims for PCC is not new for us.

 

Doctors may struggle to diagnose the condition and then to find effective treatment to manage symptoms and conditions, and ultimately, to help you regain your functioning.

To diagnose post-COVID conditions, doctors usually conduct a thorough medical evaluation, which may include:

1. Medical history: A review of your symptoms, medical records, and any previous health conditions.

2. Physical examination: A comprehensive physical examination to assess your vital signs, organ function, and neurological status.

3. Diagnostic tests: Depending on your symptoms, your doctor may recommend multiple tests such as bloodwork, imaging, lung function tests, or cardiac testing.

4. Specialist referrals: Your doctor may refer you to specialists, such as pulmonologists, neurologists, cardiologists, rehabilitation specialists etc., for further evaluation
 and treatment.

If you are experiencing persistent symptoms after recovering from COVID-19, it is important for your health but also for your LTD claim to discuss them with your healthcare provider, who can keep an ongoing record and also guide you in determining appropriate treatment.

Proving disability due to Post-COVID Conditions is difficult, but not impossible.

Proving an LTD claim for Post-COVID Conditions can be difficult but not impossible.  You should be relieved to know that even without a positive COVID test, you can successfully claim LTD and other disability benefits. Proving claims for PCC is much the same as proving claims for other "invisible" disabilities.  Some tips for proving disability claim for PCC are:

1. Obtain medical documentation: To prove a long-term disability (LTD) claim based on long covid, you need medical evidence that demonstrates that you are suffering from symptoms that are severe enough to prevent you from working. This documentation can come from a healthcare provider who has been treating the your condition and should include information about the nature of the symptoms, the severity level, and how long they expect the symptoms to last.  Often the prognosis is "unknown" when it comes to PCC claims.

2. Keep detailed records: In addition to medical documentation, it may be helpful to keep careful records of your condition and how it affects your ability to work and to do your daily activities. This could include details about missed workdays, difficulties performing job duties, any accommodations, difficulties at home performing housekeeping and personal care tasks.  

3. Contact us: It is highly recommended that when you are considering filing an LTD claim for PCC that you speak with a lawyer who specializes in disability law and knows how to prove "invisible" disabilities.  We can assist with navigating the process of filing the claim, gathering necessary documentation, and helping you with an appeal or litigation, if your claim is denied.

4. Be prepared to prove "total disability": To be eligible for LTD benefits, you must demonstrate that you are "totally disabled," meaning you are unable to perform your occupation and possibly any gainful occupation. This can be a high bar to meet, and so it is important to be thorough in documenting all symptoms and limitations.

Ultimately, every LTD claim is unique, and the process of proving a claim for long covid will depend on the specific circumstances of each case. By carefully documenting symptoms, seeking out medical support, and working with a knowledgeable lawyer, you may be able to successfully pursue disability benefits for PCC.

LTD claims for Post-COVID Conditions are often denied.

Disability claims for post-COVID conditions may be denied for many of the same reasons that other "invisible" conditions are denied--no "objective" evidence. One more reason is that these conditions are relatively new and there is still a lot that is unknown about them. This can make it difficult to establish a clear diagnosis and demonstrate the extent of the disability, which can lead to denials of claims.

Additionally, some post-COVID conditions may be difficult to blame solely on the virus, as many people who have been infected with COVID-19 have other health issues or have pre-existing conditions that may contribute to their symptoms.

 

You may be surprised to know that a definitive diagnosis is not a requirement under most LTD policies. 

The decision of entitlement to benefits comes down to functionality and whether the person has the

physical and/or cognitive functional ability to work.

Another reason why PCC claims may be denied is that the symptoms of post-COVID conditions can be varied and may not fit into a clear category or diagnostic criteria. This can make it challenging to demonstrate the extent of the disability and its impact on your ability to work.

Finally, insurance companies may be motivated by financial considerations, as paying out disability claims can be expensive. Insurers may use a variety of tactics to deny claims, such as requiring extensive documentation, questioning the validity of the diagnosis, requiring "objective" evidence (like positive test results) or requiring multiple appeals.

It is important for individuals who have been denied disability claims for post-COVID conditions to work with an experienced disability lawyer.  We can help you navigate the appeals process and ensure that their rights are protected.

If you are exhausted and overwhelmed, we can help you with your LTD claim for Post-COVID Conditions.

We provide the following services to help you with your LTD claim for Post-COVID Conditions :

  • Consultation prior to applying for LTD.

  • Review of LTD claims forms.

  • Telephone Interview Preparation.

  • Consultation during claims adjudication with respect to Authorizations, Requests for Records, and Delays in decisions.

  • Review of Denial and Termination Letters to determine how to proceed.

  • Consultations regarding Appeals and Preparing Appeal Package.

  • Litigation and Negotiation of LTD claims denials and terminations.

  • Other "as needed" services and consultation if appropriate.

If we may be of assistance, Initial Consultations are free and provide valuable practical information, insights and suggestions.  Contact us to schedule a time to go through your claim and concerns together.

 

Mulqueen Disability Law is an extremely experienced boutique law firm that focuses on providing individualized (certified trauma-informed) client service and highly skilled legal representation.   We are selective in the cases we take on to ensure that we are able maintain our high standard of service for our clients.  

 

If we accept your case, we offer a variety of flexible fee arrangements that reflect our commitment to access to justice, while taking into account our own value.  If we are not able to take your case, we will point you in the right direction to ensure that you are able to get the help you need. 

Contact

3042 Bur Oak Avenue, Suite 2,  Markham, ON  L6B 0R1

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Thank you for reaching out.  

We promise to be in touch, shortly.

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