Top 5 Causes of Disability Insurance Claims
Around 15 percent of the world’s population will experience some sort of disability during their lifetime. In some cases, this disability can be worked around; in others, it may prevent the person from holding down a job or even living independently. What are the most common causes of disability in the U.S.? Learn which types of disabilities are most often seen by disability insurance attorneys.
#1: Neuromuscular, Musculoskeletal, or Soft Tissue Disorder
Many disability insurance claimants have cervical or lumbar issues – in layman’s terms, neck or back pain. From herniated discs to sciatica, these issues can keep disability insurance claimants from being able to sit, stand, or lie down without discomfort. And unfortunately, neck and back pain is often “invisible”; when compared to more “visible” disabilities like cancer or a broken bone, it may be harder to prove. It’s important for disability insurance claimants to see their medical providers regularly and to be honest with them about how often they experience pain, how serious the pain is, and whether their neck or back problems prevent them from doing certain things.
#2: Mental Issues: Depression, Anxiety, PTSD, and Bipolar
Chronic or severe health issues often bring with them mental health issues like depression, anxiety, and post-traumatic stress disorder (PTSD). These mental health problems, along with conditions like bipolar disorder, can be just as disabling as physical disabilities, making them one of the top five causes of disability insurance claims.
#3: Nervous System Disorders: Multiple Sclerosis (MS) and Parkinson’s
Another family of conditions that fall into the top five triggers for a disability insurance claim is nervous system disorders. MS, Parkinson’s Disease, ALS, and other nervous system conditions can cause both physical and cognitive dysfunction. These diseases are progressive, which can make it tougher to show a disability insurance carrier that a claimant is entitled to payment. Disability insurance claimants can benefit from working with a disability insurance attorney, who can ensure that the disability insurance claimant’s medical documentation is as comprehensive as possible.
Cancer is still a serious condition, but is far more treatable – and often, curable – than in generations past. Unfortunately, many cancer treatments like chemotherapy and radiation can have serious side effects like “chemo brain” (cognitive difficulties), nausea, vomiting, and severe fatigue. These side effects can vary widely from person to person; even when a disability insurance carrier’s return-to-work model may say that a disability claimant can return to work, the claimant may find themselves unable to make it through a full workday. Disability claimants with cancer should make sure they discuss with their physician the side effects they’re experiencing, as it’s important to document the non-cancer-related symptoms that are causing the most trouble.
#5: Cardiac Diseases
Nearly half of all American adults have cardiac disease, which can a risk factor for heart attack, stroke, and heart failure. Because cardiac issues are so common, the return-to-work models can set forth a specific number of days a disability claimant “should” be out for any number of different procedures. But unlike cancer or musculoskeletal disorders, cardiac diseases can be exacerbated by stress – including the stress of being forced to return to work before you feel healthy enough. Disability insurance claimants can bolster their long term disability claims by ensuring their medical records make a direct connection between their work-related stress and their cardiac condition.
If you’re considering applying for long term disability insurance benefits, let Dell & Schaefer help. Our nationwide network of disability insurance lawyers can provide you with a quick, FREE consultation to discuss the merits of your claim.
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I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
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Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
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This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.