Obtaining long term disability benefits from employer insurance company

habs93

habs93

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Just wondering - I live in Ontario, Canada and have sensorineural hearing loss which gets worse as time goes on. It has got to the point that I cannot do my job and I am on short term disability as due to the nature of my work, accommodations would not help. Has anyone got approved by their employers insurance company and is on long term disability until retirement age?
 
I can only offer some second hand info stemming from other disabilities. A few Ontario residents have struggled mightily for years and had their benefits frozen even when the disability worsened, with the employer's lawyer claiming the new problems were unrelated to the original disability. A few others got decent benefits without extraordinary hassle. It's a crap-shoot.

Learn all you can, talk to HR and get your own copy of the regs, and pray it is handled in a respectful manner. much depends on the people in charge and whether they re inclined to back you or not. Do everything you can, document everything including writing down a remembered transcript of all interviews. Who said what, and do it right after the meetings do your memory is fresh. We will always be our own best advocates.

Keep us informed.
 
What type of work do you currently do, how close are you to retirement age (55-65), and what db loss do you have?
 
Tetracyclone said:
I can only offer some second hand info stemming from other disabilities. A few Ontario residents have struggled mightily for years and had their benefits frozen even when the disability worsened, with the employer's lawyer claiming the new problems were unrelated to the original disability. A few others got decent benefits without extraordinary hassle. It's a crap-shoot.

Learn all you can, talk to HR and get your own copy of the regs, and pray it is handled in a respectful manner. much depends on the people in charge and whether they re inclined to back you or not. Do everything you can, document everything including writing down a remembered transcript of all interviews. Who said what, and do it right after the meetings do your memory is fresh. We will always be our own best advocates.

Keep us informed.
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Thank you and will be sure to post the outcome.
 
PS- If you have many years ahead until retirement think hard about seeking or training for work that can be done without hearing. Life without participation in the world of work is hard on self-esteem and deeply isolating. Social isolation= a bad thing.
 
I don't think you will qualify, Just a hearing loss ( not full on deaf ) even that your employer for whatever you do cant accommodate for whatever reason (sounds fishy) but there are other jobs out there and if like here in the states, they will find you a job to apply for ( they don't actually give you an application, youre on your own there) they will spell out which job and type, the ratio and locations nationwide. When I went for my disability case due to spinal injuries and surgeries, they have doctors, lawyers and specialists that comb over the Book of Employment from Janitor to Rocket Scientist to find ANYTHING you can do. just basing your "unemployment" on hearing wont cut it anymore. They hired 300 new judges alone here just to go over these cases because people don't want to work or cant find what they want so filing disability on a broken finger or whatever excuse, they dig deep and I mean DEEP ! They had every medical record, injury, fart I ever had since I was a teen.... even some from my early childhood.
 
I agree with Sonocativo. At my employer they will have you scanning paperwork all day before they would let you take disability. They will find something/anything for you to do.
 
My case is a little complicated. Right now I am off on stress leave due to harassment charges against my boss. My employer hired a private investigator to review my claims and all were validated. They did not fire my boss.and the insurance company's doctors have indicated that I am not to go back to work there. My policy indicates that I can be off for two years then an assessment will be conducted to determine what jobs I can do that pay a minimum of 60 percent of my salary..which will amount to about 60k annually. Since I have been off my hearing has gone downhill...and I know I can't do my job as it involves presentations..taking questions..listening is about 90 percent of the job..anyways..I haven't put a claim in for my hearing just yet..as waiting to get into seeing my doctor...but will see how things turn out...hopefully favourable.
 
habs93 said:
My case is a little complicated. Right now I am off on stress leave due to harassment charges against my boss. My employer hired a private investigator to review my claims and all were validated. They did not fire my boss.and the insurance company's doctors have indicated that I am not to go back to work there. My policy indicates that I can be off for two years then an assessment will be conducted to determine what jobs I can do that pay a minimum of 60 percent of my salary..which will amount to about 60k annually. Since I have been off my hearing has gone downhill...and I know I can't do my job as it involves presentations..taking questions..listening is about 90 percent of the job..anyways..I haven't put a claim in for my hearing just yet..as waiting to get into seeing my doctor...but will see how things turn out...hopefully favourable.
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Your hearing getting worst since you been off is not your employers fault, so that will be thrown out if you even try. Its not a work related injury.
 
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