Evan, a 34-year old Collections Specialist, spent most of his days on the phone with people in tight financial circumstances. He could hear the anxiety in people’s voices as they tried to figure out how they were going to find the money to pay their bills, but he was good at navigating those conversations to find a solution that was agreeable to everyone.
However, after management raised the budget goals for the entire department, Evan had to generate much more revenue in the same amount of time. He started staying late to meet his goals and facing more pressure to work overtime and close as many accounts as possible. He was having panic attacks in the middle of calls and hyperventilating in the break room during lunch, then going home and grinding his teeth while he was asleep.
Evan saw a therapist and was diagnosed with anxiety and depression - and encouraged him to file a long term disability claim. He was approved benefits for nearly two years, largely because his condition was directly related to his job and prevented him from carrying out his regular responsibilities.
Evan found that two years wasn’t enough time to make a full recovery. His anxiety got worse when his disability claim was cut off at the “change of definition” point. While his condition still made it impossible to return to his previous role, his insurance provider argued that he should be able to move on to another job and would no longer pay his benefits. Evan knew he wasn’t ready to rejoin the workforce and didn’t know how he would pay his bills without his disability benefits.
Evan scheduled a free consultation with Share Lawyers, who told him that he should still be entitled to disability benefits. Typically this means that to qualify for long-term disability (LTD) benefits in the any occupation period, you must be totally or substantially disabled from the duties of any occupation for which you have the requisite education, skills or experience.
“When we spoke with Evan and heard his story, we knew we’d be able to help,” said Janice Grevler, Associate Lawyer. “Change of Definition is a common tactic that we see from many insurance companies. We’re glad that Evan had all of his paperwork in order.”
Share Lawyers gathered evidence that proved Evan was unable to work. They were then able to negotiate a settlement agreement during mediation that provided Evan with future benefits.