Toronto, Canada (PressExposure) September 22, 2009 -- You're very, very sick and totally crash after any activity that you do. You try to work but are unable to handle the pressure as well as the physical endurance that it takes to do your job. The first thing that you will need to do is speak with your doctor about your health concerns. From my experience some doctors don't want to help you so you will have to go out and look for a doctor who will help you.
Your doctor is the first one who decides if you can or do qualify for a disability pension. They will send you to other doctors sometimes for added tests and witnesses to prove that you aren't capable of holding down a regular job. Together with your doctors recommendations and other specialists in the field related to your disability it might help witness that you need the disability pension.
Disability pensions aren't as much money coming in as if you were working so you'll have to be on a very limited budget and if you are married you may be limited to the amount of disability pension that you can get because of your spouses earnings. Sometimes the government will take into account the families total incomes and deduct from the disability pension totals but still provide you with help for your medicines, eye care, etc that you may need. You have to check with what agency that you are applying for be it government or an insurance disability pension. Every province, state or country has their own laws governing disability pensions. If you can still work you would probably make more money by cutting down your hours of work to part-time or finding another job better suited to you and your physical or emotional situation. You usually have to be unemployed for at least one year to qualify for a disability pension.
From my experience most of the people who need disability pensions are rejected and they don't receive any help as I've seen many others whom weren't as physically ill seemed to receive a disability pension. There are agency's as well as lawyers whom will work for you to help fight for you to receive a disability pension. They usually take a cut of your pension for their payment fees when you receive the pensions and if you don't they
wouldn't receive anything. Carefully check any agreements to make sure you understand what you're signing with them first so you don't get into a contract that's legal and binding that isn't for your benefit.
Be prepared to wait as sometimes the government has been known to drag these cases out 5 years or more and they usually refuse your first claim so you may have to appeal it and they still may take years of their processing your claim. If your financial situation can't wait 5 years for the disability claim to be approved you should start looking at other ways of bringing in revenue while you work part time or at home around your specific health concerns. There is always hope and a way for you but you have to earnestly seek for another way to bring in income that will work best for you and your family with your health problems.