Medical Evidence That Moves Claims

When an insurer says there is not enough proof, it can feel personal. Your pain is real, and so is your fatigue. The job here is to help the record reflect your day-to-day reality in a way decision makers understand. We will walk with you through that process.

Start with function.
Describe what life looks like. How long you can sit, stand, or focus. How far you can walk. How often symptoms flare. Note what tasks you need help with and what happens after activity. A short daily diary is more powerful than you think.

Objective tests and clinical notes.
Tests like MRIs, EMGs, sleep studies, or lab work can help. So can regular clinic notes that show patterns over time. A normal test does not cancel real limits. Ask your providers to connect the dots from findings to function. Plain language helps everyone.

Work capacity forms.
Residual Functional Capacity forms turn symptoms into clear restrictions. Safe lifting, posture limits, expected absences, and the need for breaks. Invite your doctor to be specific. Instead of words like moderate, ask for numbers, times, and examples.

Keep stories aligned.
Insurers compare your diary, doctor notes, pharmacy refills, therapy charts, and imaging. Small differences are normal. Large gaps create doubt. Bring the denial letter to appointments so your providers can respond to the concerns that were raised.

Mental health matters.
Depression, anxiety, PTSD, and cognitive issues are real and disabling. Useful records include counselling notes, psychiatric opinions, scales that track symptoms, and neuropsychological testing when appropriate. Describe concentration, memory, decision making, and how stress shows up in your body. Safety plans belong in the file if needed.

Medication side effects and combined impact.
Fatigue, brain fog, dizziness, nausea. These can limit safe and reliable work. Write down what you experience and how often it happens. The combined effect of conditions and treatment often explains why steady work is not possible.

Your job, on paper.
Ask for your job description and any notes on duties or attendance. A brief employer letter that confirms essential tasks and productivity expectations can be very helpful.

CPP Disability and LTD.
A CPP D approval can support your LTD claim because both focus on capacity for work. A CPP D denial does not end your case. Share any CPP decisions so we can keep your record consistent.

You are not alone in this. We can help you gather what is needed, speak with your care team, and present your story with dignity and clarity.

Insurer Tactics We See and How We Counter

Insurers use patterns. Knowing them helps you stay steady and lets us respond with the right evidence.

Paper reviews.
An insurer doctor may review your file without meeting you and say you can work. We counter with detailed treating physician opinions, work capacity forms, and, when useful, independent specialists who examine you.

Surveillance.
Short clips on a good day can be used to suggest you are fine. We place the footage in context with your diary, medical notes, and the reality of fluctuating conditions. A few minutes of activity does not equal full-time, reliable work.

Independent Medical Examinations (IMEs).
These are arranged by the insurer. We prepare you, clarify the scope in writing, and request the examiner’s notes and test data. If the report is incomplete or unfair, we rebut it with focused medical evidence.

The “any occupation” switch at 24 months.
After two years many policies tighten the test for disability. We gather vocational assessments, job market data, and medical opinions that address stamina, reliability, and cognitive limits, not just job titles.

Pre-existing condition clauses.
Insurers may say your condition existed before coverage. We examine the lookback dates, policy wording, and medical records to show onset, flare, or aggravation within the insured period.

Failure to accommodate.
If your employer could not or would not accommodate safe duties, we collect the emails, schedules, and doctor notes that prove attempts were made. This supports both LTD and, when appropriate, human rights or employment claims.

You do not have to engage in a tug-of-war alone. Our job is to turn scattered records into a clear, credible story that the insurer must answer.