Chronic pain is caused by hundreds of different disabling medical conditions. There is no medical device in the world that measures pain. Pain is subjective, which means that a disability insurance company will often argue that there is insufficient information to support the claim. It is not uncommon for a person to be suffering with chronic pain, yet the medical doctor cannot establish the cause of the pain. People suffering from chronic pain cannot perform their jobs as they used to. It physically prevents workers from performing certain tasks, and the pain can be so distracting that they cannot complete jobs that require focus and care. We recommend that all of our clients maintain a daily pain journal in order to properly document their medical conditions. We also advise claimants to seek treatment with pain management specialists such as physiatrist or anesthesiologist. It is important to obtain as much medical documentation as possible in support of your claim for either short or long term disability benefits. Disability insurance carriers will often rely upon video surveillance in order to challenge a claimant’s complaints of chronic disabling pain.
Our disability insurance attorneys have fought for claimants like you since 1979. We know this industry well, and we can give you your best shot of receiving benefits if you legitimately qualify for them. Contact us if you are considering applying for disability benefits, appealing a denied claim, or filing a disability lawsuit anywhere in the USA.
What Types Chronic Pain Are Most Common In Long Term Disability Claims?
Common forms of chronic pain include:
- Back pain
- Neck Pain
- Severe headaches
- Joint pain
- Arthritis
- Chest pain
- Abdominal pain
Understandably, insurance companies need to see some evidence that your pain is so severe that you cannot do your job. Since pain is subjective, insurance companies require an extraordinary amount of evidence on the claimant’s part. Unfortunately, they will find any excuse they can to deny or limit your benefits. Many use in-house physicians to discredit your claims, even though they have never met you or physically diagnosed your symptoms.
It is very important to consult an attorney early in the process. If you fill out the application incorrectly or forget to include certain medical information, it could delay your benefits for months, possibly years. We can tell you all the information you need to know, including state regulations or specific industry guidelines, that could affect your benefits.
Our Experience with Chronic Pain
– Disability Attorney Stephen Jessup wins benefits for 60 year old client with fibromyalgia
– Disability lawyers win ERISA long term disability appeal against Hartford
– Unum Provident pays total disability benefits to a chiropractor with breast cancer
We handle cases across the nation and we encourage you to review hundreds of our resolved cases and client testimonials. To find out how we can help with your disability claim, you can contact our disability insurance attorneys to set up a free consultation in person, over the phone or via a video chat.
Resources
To learn more about chronic pain, consult:
We frequently update this page with news about chronic pain disability benefits and new laws that could affect your disability. Check back for new information.
Recently Resolved Cases (49)
- After Principal Denies Continued Disability Benefits, Dell & Schaefer Attorney Alexander Palamara Gets Claim Reinstated for a Vienna Beef Employee
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- Hartford Approves Disability Claim After Appeal Deadline
- MetLife Approves Long Term Disability Claim For Executive Assistant with Neck Pain
- Prudential Approves LTD Claim on Voluntary Appeal
- CIGNA overturned previous denial of waiver of life insurance premiums
- Dell & Schaefer Successfully Appeals Metlife Denial of Benefits to Veteran
- Unum Approves Long Term Disability Application to a Program Manager
- Aetna Life Insurance Company overturned previous denial of long term disability benefits for Georgia Assistant
- Berkshire Approves Application for Disability Benefits to Sales Manager
- Life Insurance Company of North America (CIGNA) overturned previous denial of long term disability benefits for Massachusetts Senior Advisor
- Cigna Overturns Denial of Long Term Disability Benefits On Appeal
- Cigna Overturns Denial of LTD Benefits for Maintenance Supervisor Suffering from Serious Back Issues
- After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned previous denial of short term disability benefits for Maine Senior Software Engineer
- Life Insurance Company of North America overturned previous denial of long term disability benefits for Washington Crime Scene Photographer
- Prudential overturned previous denial of long term disability benefits for Mississippi Nuclear Medicine Tech
- Unum and Sun Life Approve Disability Benefits to OB.GYN
- Reliance Standard Reinstates Disability Benefits to Project Manager
- After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Kentucky District Sales Manager
- After appeal filed by Attorney Jay Symonds, NWM overturned its previous denial of long term disability benefits for California Customer Relations Supervisor
- After it had previously overturned a denial after an initial Dell & Schaefer Appeal, Liberty denied our client’s claim again. After a new appeal, Liberty has now agreed to reinstate our client yet again.
- Cigna Approves Disability Claim Following Multiple Denials
- After appeal filed by Attorney Jay Symonds, CIGNA overturned its previous denial of short term disability benefits for New Jersey Project Manager
- Disability Attorney Alexander Palamara Proves to Unum that Its Decision to Deny Benefits Was Wrong for Claimant Suffering from Heart Conditions
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- Standard Overturns Denial of Disability Benefits to Chiropractor
- Appeal filed by Dell & Schaefer proves to MetLife that former Morgan Stanley Employee Should Continue to Receive ERISA Long Term Disability Benefits
- Cigna Overturns Denial of Benefits to Data Center Manager
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- Dell & Schaefer Appeal Successful, Cigna reinstates Long Term Disability Benefits for Lockheed Martin Employee
- Cigna Reinstates Benefits to Software Engineer Suffering From Chronic Back Pain
- Principal Approves Long Term Disability Benefits for Surgeon
- After Two Appeals, Cigna Finally Sees the Light and Pays Disability Benefits
- Lincoln Financial Overturns Denial of ERISA Long Term Disability Claim for Dell & Schaefer Client, But There Is A Catch
- Lincoln Approves Disability Claim After Multiple Appeals
- Cigna Overturns Decision to Deny Short Term Disability Benefits to Independent Living Coordinator Suffering from Chronic Pain, Lupus, Fibromyalgia and Connective Tissue Disorder
- MetLife Overturns its Decision to Deny Long Term Disability Benefits After Receiving an ERISA Appeal from Disability Attorneys Dell & Schaefer
- Hartford Reinstates Long Term Disability Benefits on Appeal to Computer Systems Administrator Suffering with Chronic Back Pain
- CIGNA denies benefits after paying for 10 years, but Disability Attorney Stephen Jessup wins benefits for 60 year old client with fibromyalgia
- Standard Insurance Company reverses disability insurance denial for a disabled lawyer
Cases & Claim Tips (22)
- NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision
- Court Denied American General’s Motion for Partial Summary Judgment
- Court Criticizes Lina For Failing to Perform Independent Examination
- Long Term Disability Claims Due to Back Pain
- Neuropsychological Testing in Long Term Disability Insurance Claims
- Oklahoma Court Remands to Give Plaintiff the Opportunity to Respond to Unum’s Allegations
- Washington Court Finds Liberty Erred in Terminating Disability Benefits
- Does a disability insurance company need to consider the side effects of my medications? 8
- Is a Claimant’s Complaints of Pain Enough to Qualify for Short or Long Term Disability Insurance Benefits?
- Federal Appeal Court Upholds District Court Order to FedEx to Pay Long Term Total Disability Benefits to Its Employee 2
- Can my insurance carrier deny my benefits even if there is no change in my medical condition? 8
- A Letter to Cigna CEO Following Denial of Disability Benefits to a Wheel Chair Bound Woman 11
- MetLife Improperly Applies Limitation For “Neuromusculoskeletal and Soft Tissue Disorder” to Long Term Disability Claim 6
- Lawsuit Against IME Physician Alleging Fraudulent Misrepresentation By IME Physician Dismissed by US District Court
- Attorney sues Unum to recover benefits after Unum terminates disability claim after learning attorney committed fraud; Unum counterclaims for over $1 million in overpaid benefits 1
- Court Orders Hartford to Disclose Relationship with University Disability Consortium 2
- Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits
- Bank of America, Boeing, and Cytec Industries employees file lawsuits against Aetna Life Insurance Company over disability benefits
- CIGNA has three new lawsuits to deal with for unpaid disability benefits 17
- Court of Appeals, Seventh Circuit ruled Unum Life Insurance Company Of America is prevented from using Self-Reported Symptoms Limitation Clause to discontinue long term disability benefits payments for woman with fibromyalgia 2
- Tenet Healthcare Corporation employee sues UNUM Life Insurance Company Of America under ERISA for wrongfully denying disability benefits by disregarding attending physician’s medical opinion 2
- Claimants under HSBC North America Holdings, Inc. Group Long Term Disability Benefits Plan sue Unum Life Insurance of America in Illinois and Nevada
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