What types of medical conditions are most commonly challenged by disability insurance companies?

The claims most commonly challenged by the disability insurance carriers are the claims that are subjective in nature, claims that don’t have objective medical proof, such as MRIs or x-rays that can show for instance herniated discs. Subjective claims include fibromyalgia, chronic fatigue syndrome, even so much as depression or other mental health disorders.

A lot of these policies even now have a two year limitation with regards to this where they will only pay you a maximum of two years of benefits during your life time of the entire policy. Subjective claims are challenging in nature because it’s going basically on what you report, there’s no way to measure it, no way to test it, no way to show validity.

Usually in these claims as well, for instance if it is fibromyalgia and you’re claiming that you have severe pain and you can’t leave your home, more often you’ll be put under surveillance and they’ll follow you to determine what exactly you’re doing on a day to day basis and try to find any reason and then deny your claim based upon what they see or observe.

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Arlene:

I have purchase STD and LTC from CIGNA because I work as an CNA where I lift patients all day and on my feet 12 hours a day, with scoliosis. It is very painful. I am 49. I was diagnosed 33 years ago and had 2 back surgeries.

My question: I know it is a matter of time before I am no longer able to do my job. Will I have a hard time collecting benefits? I have read the horror stories concerning CIGNA, is there anything I can do to prepare myself? I live in Georgia.

Thank you,
Arlene

Attorney Greg Dell:

Arlene,

There are lot of things you can do to prepare yourself for filing a disability insurance application. As a starting point I would suggest you watch our video on the application process. Contact us for a free consultation to discuss your potential claim.

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