Facing a cancer diagnosis is life-changing, bringing not only health challenges but also impacting your ability to work and manage daily tasks. The emotional and physical toll can be overwhelming, and balancing treatment with job responsibilities often feels impossible. If cancer is affecting your ability to work, know that you have options.
At Samfiru Tumarkin LLP, we specialize in assisting individuals through the complex disability benefits system in Canada. Our experienced team is committed to helping you access the support and benefits you’re entitled to, so you can focus on your recovery and well-being.
Table of Contents
2. Types of Cancer
3. Is Cancer a Disability in Canada?
4. Cancer Disability Benefits in Canada
7. How to Apply for Cancer Disability Benefits
8. Common Reasons for Denial of Cancer Disability Claims
9. What to Do If Your Cancer Disability Claim is Denied
10. FAQs
11. Expert Support for Your Cancer Claim
What is Cancer?
Cancer is a disease characterized by the uncontrolled growth and spread of abnormal cells in the body. These cells can form tumors, interfere with essential bodily functions, and spread (metastasize) to other areas.
Cancer can develop in almost any part of the body and has over 100 different types, each with its unique challenges. The impact of cancer can vary significantly, depending on the type, stage, and location of the disease.
Symptoms of Cancer
Cancer symptoms can vary widely depending on the type and stage, but early detection can greatly improve the chances of successful treatment. Common symptoms to watch for include:
- Unexplained Weight Loss: Rapid, unintentional weight loss can be an early warning sign of various cancers.
- Fatigue: Persistent fatigue that doesn’t improve with rest can be linked to certain types of cancer.
- Pain: Constant pain, particularly in areas like the back, head, or bones, may be a symptom.
- Skin Changes: Skin discoloration, new moles, or sores that don’t heal can indicate skin cancer.
- Changes in Bowel or Bladder Habits: Persistent changes, including blood in the urine or stool, may point to cancer in the digestive or urinary system.
Who Does Cancer Affect?
Cancer can affect anyone, but certain factors increase the risk. According to the Canadian Cancer Society, specific groups face a higher risk:
- Older Adults: Age is a primary factor, as the likelihood of developing cancer increases with age, particularly after 50.
- People with Family History: A family history of cancer can elevate the risk, especially for certain types like breast, ovarian, or colon cancer.
- Individuals with Certain Health Conditions: Conditions like obesity, diabetes, and certain infections are associated with higher cancer risks.
- Lifestyle Factors: Smoking, excessive alcohol use, poor diet, and exposure to harmful substances contribute significantly to cancer risk.
Types of Cancer
Cancer comes in various forms, each with distinct characteristics and treatment options. Understanding these types can help individuals make informed choices about prevention, diagnosis, and treatment:
- Carcinomas: The most common type, originating in skin or tissue cells that line internal organs.
- Sarcomas: Cancers that form in bones and soft tissues like muscles and fat.
- Leukemia: Cancer of the blood-forming tissues, which typically doesn’t form solid tumors.
- Lymphomas: Cancer affecting the lymphatic system, which is part of the immune system.
- Melanomas: A severe type of skin cancer that develops in pigment-producing cells (melanocytes).
Is Cancer a Disability in Canada?
Yes, cancer and the side effects of both the illness and its treatments are recognized as a disability in Canada under the Canadian Human Rights Act and equivalent provincial human rights laws. When cancer significantly impacts a person’s ability to function in daily life or perform their job, they are entitled to protection from workplace discrimination as well as reasonable accommodations to help them perform their job.
Employment Rights
Employers are required to accommodate workers with cancer, which may include adjustments to work schedules, duties, or environments.
However, eligibility for disability benefits isn’t based solely on having a diagnosis of cancer. To qualify for specific disability benefits, you must demonstrate that your condition severely impacts your ability to work and meets the criteria outlined in the benefit plan or program.
Cancer Disability Benefits in Canada
If cancer symptoms and treatment are preventing you from working, you may be eligible for various disability benefits:
Employment Insurance (EI) Sickness Benefits
EI sickness benefits provide up to 15 weeks of financial assistance if you’re unable to work for medical reasons. You must have worked the required number of insurable hours and provide a medical certificate confirming your inability to work.
- Application: Submit an application online or at a Service Canada office as soon as you stop working.
Short-Term Disability (STD) Benefits
STD benefits provide financial support for a temporary period, typically up to 17 weeks, through an employer’s insurance plan.
- Application: Obtain forms from your employer or insurer, and submit all required documentation promptly.
Long-Term Disability (LTD) Benefits
LTD benefits offer extended financial support if you’re unable to return to work after STD or EI benefits run out. It can last for several years, often until age 65 or until you’re able to return to work. You must meet your insurer’s definition of “totally disabled,” meaning you can’t perform your own job or any suitable employment based on your education, training, and experience.
- Application: Requires detailed medical evidence and may involve assessments by the insurer.
Canada Pension Plan (CPP) Disability Benefits
Those with severe and prolonged cancer symptoms who are unable to work may qualify for Canada Pension Plan (CPP) disability benefits. Provided by the federal government, it offers long-term financial support to Canadians who have contributed to the CPP and are under the age of 65.
- Application: Involves a detailed application and medical report submitted to Service Canada.
Disability Tax Credit (DTC)
Cancer may qualify for the Disability Tax Credit (DTC) in Canada if it severely impacts daily functioning. The DTC is a non-refundable tax credit that reduces the income tax you owe.
- Application: Requires Form T2201 to be completed by you and your medical practitioner and submitted to the Canada Revenue Agency.
Provincial Disability Benefits
Each province offers its own disability assistance programs, which are generally based on financial need and the severity of your disability. They can include income support, health benefits, and employment support services.
- Application: Process varies by province, typically involving an application form and medical assessment.
How to Apply for Cancer Disability Benefits
Applying for short-term or long-term disability benefits for cancer involves several critical steps:
1. Obtain a Formal Diagnosis
See a doctor or other qualified healthcare provider to get an official diagnosis for cancer. Ensure the assessment covers your medical history, symptom severity, and how symptoms affect your daily life.
2. Document Your Symptoms and Impact on Work
Record how cancer symptoms affect your ability to perform your job duties, through a journal or diary. Gather all relevant medical documents, including test results, treatment plans, and doctor’s notes.
3. Follow Prescribed Treatment Plans
Engage in all recommended therapies, whether medication, counseling, or behavioral strategies. Keep records of appointments, medications taken, and any side effects experienced.
4. Communicate with Your Employer
Discuss possible workplace accommodations that could help you perform your job. Keep a record of all communications with your employer regarding your condition and any accommodations provided.
5. Complete Application Forms Thoroughly
Provide comprehensive answers to all questions on the application forms. Double-check all information for accuracy before submission.
6. Submit Supporting Documentation
Attach medical records, letters from healthcare providers, and any other evidence that supports your claim. Make it easy for the reviewer to find and understand your documentation.
7. Meet All Deadlines
Be aware of all application deadlines for the specific benefits you’re applying for. Submit your application as soon as possible to avoid delays.
8. Follow Up on Your Application
Check the status of your application periodically. Provide any additional information requested by the benefit provider promptly.
9. Get Legal Advice
If you’re unsure about the process or face challenges, get invaluable professional guidance from our team.
Contact the cancer disability lawyers at Samfiru Tumarkin LLP for a FREE consultation if your STD or LTD claim is denied by the insurance company.
Our experienced legal team specializes in disability benefits. We can help you navigate the process and improve the chances of your claim for benefits being approved.
Further enhance your long-term disability claim. Watch this short video where we share three effective ways to make your application stronger:
Applying for disability benefits can be overwhelming, but taking it step by step can make the process more manageable. Remember, it’s okay to ask for help along the way.
Common Reasons for Denial of Cancer Disability Claims
Disability claims for cancer are often denied for the following reasons:
Insufficient Medical Evidence
Claims are frequently denied due to a lack of comprehensive medical documentation.
Solution: Provide detailed medical records, including diagnosis, treatment plans, and letters from healthcare providers explaining how cancer and cancer treatment affects your ability to work.
Not Meeting the Definition of Disability
Each benefit program has specific criteria for what constitutes a “total disability.” This is a misleading term created by insurance companies. It simply means that your insurer believes you don’t meet the criteria for disability benefits, and that you are still capable of performing your job despite the impact of cancer.
Solution: Ensure you understand the criteria and clearly demonstrate how your condition meets these requirements in your application.
Non-Compliance with Treatment
Failing to follow prescribed treatments without a valid reason can lead to denial.
Solution: Follow and document all recommended treatments. If you can’t follow a treatment due to side effects or other issues, have your doctor note this in your records.
Pre-Existing Condition Exclusions
Some insurance policies exclude coverage for conditions that existed before the policy started.
Solution: Review your policy to understand any exclusions.
Incomplete or Inaccurate Applications
Errors or omissions in your application can result in denial.
Solution: Double-check all sections of your application for completeness and accuracy. Consider having someone else review it before submission.
Missed Deadlines
Failing to submit your application or required documents on time can automatically disqualify you.
Solution: Keep track of all deadlines and submit materials promptly.
These are some of the common reasons your insurer may give for denying your cancer disability claim. If your claim is denied for any reason, get a free consultation with a disability lawyer to learn how to get your benefits.
What to Do If Your Cancer Disability Claim is Denied
Receiving a denial for short-term or long-term disability can be discouraging, but it’s important to remember that you have options.
1. Review the Denial Letter Carefully
The letter should outline why your claim was denied. Knowing the specific reasons can help you address them effectively.
2. Gather Additional Evidence
Obtain recent evaluations or additional statements from your healthcare providers that address the denial reasons. If there were misunderstandings or missing information, provide explanations or additional documentation.
3. Consult a Disability Lawyer
Before filing an appeal, consult with an experienced disability lawyer at our firm who specializes in disability claims. Samfiru Tumarkin LLP can help you decide whether to appeal internally, file a lawsuit, or take other actions.
Watch this video to learn why hiring a disability lawyer can make a difference in your case:
4. Avoid Immediate Appeals Without Legal Guidance
Internal appeals are often handled by the same company that denied your short-term or long-term disability claim and may not be in your best interest. In fact, they are rarely successful. Insurers profit by denying you access to your disability benefits and keeping your money.
There are strict time limits for taking legal action, so it’s important to act promptly.
5. Continue Following Medical Advice
Keep attending appointments and following treatment plans. This shows ongoing commitment to managing your condition. Maintain records of all medical visits, treatments, and any correspondence related to your claim.
6. File a Legal Claim
If appropriate, your Samfiru Tumarkin LLP disability lawyer may advise taking legal action against the insurer to secure the benefits you’re entitled to. Legal processes are often the most effective way to achieve a positive outcome.
Facing a denial can be stressful, but with the right support and information, you can navigate this challenge more effectively. That is why it’s crucial to get the right legal advice before appealing your insurer’s decision. An experienced disability lawyer at Samfiru Tumarkin LLP can help you determine the best course of action.
Frequently Asked Questions
Below are some frequently asked questions to help you understand more about the cancer disability benefits process. Find more answers in our full LTD FAQ section.
Is Cancer Considered a Disability in Canada?
Yes, cancer is recognized as a disability in Canada. Individuals suffering from cancer and cancer treatments may qualify for various disability benefits if the condition significantly impairs their ability to work or perform daily activities.
Is Cancer a Disability in Ontario?
Yes, cancer is recognized as a disability in Ontario. Individuals experiencing significant challenges due to cancer may be eligible for short-term and long-term disability benefits through private insurance or the Ontario Disability Support Program (ODSP). Both evaluate how cancer affects your daily functioning and ability to work to determine eligibility for assistance.
Is Cancer a Disability in Alberta?
Yes, in Alberta, cancer is recognized as a disability. Individuals who face significant difficulties due to cancer may qualify for short-term or long-term disability benefits through private insurance or the Assured Income for the Severely Handicapped (AISH) program. Eligibility is based on how much cancer and treatment programs interfere with your daily activities and ability to work.
Is Cancer a Disability in B.C.?
Yes, cancer is considered a disability in British Columbia. Those experiencing substantial challenges because of cancer might be eligible for short-term and long-term disability benefits via private insurance or the provincial Disability Assistance Program. Eligibility is determined by assessing how cancer impacts your everyday functioning and capacity to maintain employment.
Is Cancer a Permanent Disability?
Cancer is often considered a chronic condition that can persist throughout a person’s life. If it significantly impairs your ability to work or perform daily activities, it can be recognized as a permanent disability for the purposes of disability benefits in Canada. This designation depends on the severity of the condition and how it affects daily functioning.
How Long Does the Disability Benefits Application Process Take?
The timeline varies depending on the type of benefit and the completeness of your application. It can range from several weeks to a few months. Prompt submission of all required documents can help speed up the process.
Do I Need a Lawyer to Apply for Disability Benefits?
Yes. While you can apply on your own, consulting a disability lawyer at Samfiru Tumarkin LLP can significantly improve your chances of approval, especially if your case is complex or has been previously denied.
Are There Cancer Grants Available in Canada?
Yes, various grants and funding opportunities exist to support individuals with cancer, particularly for education and treatment. This includes the DTC, CPP Disability, and provincial disability assistance programs.
What If My Employer Denies Accommodations for Cancer?
Employers are legally required to provide reasonable accommodations, even if it is difficult or costly to do so. If they fail to accommodate, you may have grounds for wrongful dismissal and a human rights complaint. Contact us to explore your options in Ontario, Alberta or B.C.
Resources and Support
Contact Us for a Free Consultation
You’re not alone in this journey.
Coping with cancer is challenging enough; securing the disability benefits you’re entitled to shouldn’t add to your burden. At Samfiru Tumarkin LLP, we’re here to listen, support you, and advocate for your rights—ensuring you receive the compensation you’re entitled to.
Our compassionate team of experienced disability lawyers understands the complexities of cancer disability claims in Canada. Some of our lawyers have previously worked for insurers; we know how they think, why they deny certain disability claims, and how to successfully navigate the system on your behalf.
Samfiru Tumarkin LLP is a nationally recognized leader in insurance and disability law, dedicated to informing Canadians of their rights through:
- The Disability Law Show on TV and radio
- Insightful livestreams
- Over 1,000 media interviews
- Comprehensive resources, such as FAQs on long-term disability and guides on how to apply for different medical conditions.
We’re proud to have helped clients like you overcome these obstacles and obtain the benefits they needed. Here are some of their stories:
Sandra Bullock’s Triumph After $5.3M Legal Claim
Her long-term disability coverage was reinstated after we took legal action against Sun Life. Learn more.
Teacher Secures Six Figures in Disability Benefits
We successfully won compensation for Julie after she suffered a brain injury in a student assault. Follow her saga.
Nova Scotia Man Challenges Paralysis Claim Denial
Mitch’s insurer, SSQ, said he wasn’t “totally disabled” despite his spinal fracture. We took on his case.
Mother Battles Insurer While Daughter in Palliative Care
We helped Amanda after her insurer denied her mental health benefits. Discover her story.
Whether you’re struggling to get approved for benefits, appealing a denial, or dealing with a claim cut-off after two years, we’re here to assist you. Contact us today for a free consultation and find out how we can support you through the process and protect your rights. Our services extend across all Canadian provinces, excluding Quebec.
Don’t wait. Discover how our experts can help with your disability claim.
Areas We Serve
Our team of experienced disability lawyers can help individuals in all provinces (excluding Quebec) when their insurance company denies their cancer claim or their CPP Disability benefits are denied.
Whether you’re dealing with major insurers like Manulife, Sun Life, or any other provider, we have the expertise to assist you. See our comprehensive list of long-term disability insurance companies in Canada to learn more about how we can help with your specific insurer.
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