Living with heart disease can make everyday tasks and work feel challenging. If your symptoms are making it difficult to maintain your job, know that you’re not alone—and there is support available.
At Samfiru Tumarkin LLP, we specialize in helping individuals navigate the complex disability benefits system in Canada. Our dedicated team is here to ensure you receive the support and benefits you’re entitled to, providing you with the stability needed to focus on your health and well-being.
Table of Contents
2. Types of Heart Disease
3. Is Heart Disease a Disability in Canada?
4. Heart Disease Disability Benefits in Canada
7. How to Apply for Heart Disease Disability Benefits
8. Common Reasons for Denial of Heart Disease Disability Claims
9. What to Do If Your Heart Disease Disability Claim is Denied
10. FAQs
11. Expert Support for Your Heart Disease Claim
What is Heart Disease?
Heart disease refers to a range of conditions affecting the heart’s structure and function. It often involves narrowed or blocked blood vessels, leading to potential complications like heart attack, chest pain, or stroke. While various factors contribute to heart disease, including lifestyle choices, genetics, and other medical conditions, preventive measures can significantly reduce the risk.
Symptoms of Heart Disease
Heart disease can present differently for each person. Recognizing common symptoms early on can lead to better management and improved outcomes. Key symptoms include:
- Chest Pain: Discomfort, pressure, or tightness in the chest, especially during physical activity.
- Shortness of Breath: Difficulty breathing or feeling out of breath with little exertion.
- Fatigue: Persistent tiredness or exhaustion, even after rest.
- Irregular Heartbeat: Sensations of a racing or fluttering heart.
- Swelling: Fluid retention in the legs, ankles, or abdomen, often due to poor circulation.
- Lightheadedness: Feelings of dizziness or fainting spells.
- Cold Sweats: Sudden sweating unrelated to exercise or heat.
Who Does Heart Disease Affect?
Heart disease can impact anyone, though some groups are at higher risk. According to the Public Health Agency of Canada, heart disease affects specific populations more frequently:
- Men: Men are at a slightly higher risk, particularly as they age, although the risk for women increases after menopause.
- Women: Often experience unique symptoms, and the risk rises post-menopause due to hormonal changes.
- Older Adults: Age is a significant factor, with risk increasing as people grow older.
- People with Health Conditions: Individuals with diabetes, obesity, or high blood pressure are at higher risk.
Types of Heart Disease
Heart disease can take various forms, each with unique symptoms and treatment approaches. Understanding the different types can help you seek appropriate care:
- Coronary Artery Disease (CAD): Caused by narrowed arteries, it reduces blood flow to the heart muscle and may lead to a heart attack.
- Heart Attack: Occurs when blood flow to a part of the heart is blocked, causing heart tissue damage.
- Arrhythmias: Abnormal heart rhythms, which can lead to palpitations or fainting.
- Heart Failure: When the heart cannot pump blood effectively, leading to fatigue and fluid buildup.
- Valvular Heart Disease: Involves damage to one or more of the heart valves, impacting blood flow.
- Congenital Heart Defects: Structural issues present at birth that may affect heart function.
Is Heart Disease a Disability in Canada?
Yes, heart disease is recognized as a disability in Canada under the Canadian Human Rights Act and equivalent provincial human rights laws.particularly when it significantly impacts a person’s ability to function in daily life or perform their job. This recognition entitles individuals to protection from discrimination in the workplace and ensures access to reasonable accommodations to help them perform their job.
Employment Rights
Employers are required to accommodate workers with heart disease, which may include adjustments to work schedules, duties, or environments.
However, eligibility for disability benefits isn’t based solely on having a diagnosis of heart disease. 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.
Heart Disease Disability Benefits in Canada
If heart disease symptoms 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 heart disease 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)
Heart disease can 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 Heart Disease Disability Benefits
Applying for short-term or long-term disability benefits for heart disease involves several critical steps:
1. Obtain a Formal Diagnosis
See a psychiatrist, psychologist, or other qualified healthcare provider to get an official diagnosis for heart disease. 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 heart disease 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 heart disease 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 Heart Disease Disability Claims
Disability claims for heart disease 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 heart disease 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 heart disease.
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 heart disease 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 Heart Disease 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 heart disease disability benefits process. Find more answers in our full LTD FAQ section.
Is Heart Disease Considered a Disability in Canada?
Yes, heart disease is recognized as a disability in Canada. Individuals with heart disease may qualify for various disability benefits if the condition significantly impairs their ability to work or perform daily activities.
Is Heart Disease a Disability in Ontario?
Yes, heart disease is recognized as a disability in Ontario. Individuals experiencing significant challenges due to heart disease may be eligible for short-term and long-term disability benefits through private insurance or the Ontario Disability Support Program (ODSP). Both evaluate how heart disease affects your daily functioning and ability to work to determine eligibility for assistance.
Is Heart Disease a Disability in Alberta?
Yes, in Alberta, heart disease is recognized as a disability. Individuals who face significant difficulties due to heart disease 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 heart disease interferes with your daily activities and ability to work.
Is Heart Disease a Disability in B.C.?
Yes, heart disease is considered a disability in British Columbia. Those experiencing substantial challenges because of heart disease 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 heart disease impacts your everyday functioning and capacity to maintain employment.
Is Heart Disease a Permanent Disability?
Heart disease 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 Heart Disease Grants Available in Canada?
Yes, various grants and funding opportunities exist to support individuals with heart disease, particularly for education and treatment. This includes the DTC, CPP Disability, and provincial disability assistance programs.
What If My Employer Denies Accommodations for My Heart Disease?
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
- Heart and Stroke Foundation of Canada
- University of Ottawa Heart Institute
- Canadian Institute for Health Information
Contact Us for a Free Consultation
You’re not alone in this journey.
Living with heart disease can be challenging, and obtaining the disability benefits you’re entitled to shouldn’t add to your stress. 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 heart disease 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 heart disease 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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