Disability insurance companies challenge heart disease disability insurance claims

According to the American Heart Association, one out of three, or approximately 81 million Americans have heart disease. In 1963 Congress proclaimed February as “American Heart Month” in order to raise awareness and fight the battle against heart disease. Millions of Americans each year are unable to work as a result of heart disease and are forced to file for either disability insurance benefits or social security disability benefits. Heart disease, also known as cardiovascular disease, includes high blood pressure, coronary heart disease, stroke, heart failure, and congenital heart defects. More than 5.8 million Americans have heart failure. Disability lawyer firm Dell & Schaefer participates each year in multiple events to help raise funds to battle heart disease.

Due to the disabling effects of heart disease, the Social Security Administration recently hosted a Compassionate Allowance Outreach Hearing on Cardiovascular Disease. Social Security invited the world’s leading experts to discuss the heart conditions that are most disabling and limitations associated with the different heart conditions. The main point of the hearing was so that the Social Security Administration would add certain types of heart disease to their Compassionate Allowance Condition List. The Compassionate Allowance list is a list of medical conditions that will automatically qualify for social security disability benefits with limited objective evidence. The testimony and transcripts of the heart disease experts that testified at the recent hearing can be viewed at http://www.socialsecurity.gov/compassionateallowances/hearings110910.htm.

Disability Insurance Companies Often Challenge Heart Disease Disability Claims

Disability Attorneys Dell & Schaefer have helped hundreds of individuals obtain disability insurance benefits as a result of heart disease. Disability insurance companies will often challenge heart disease disability claims by arguing that the claimant should be able to return to the work environment since they have a normal EKG or Echo Cardiogram following surgical intervention. Disability insurance companies take advantage of the fact that it may be difficult to objectively document restrictions and limitations caused by Heart Disease. While there are several objective heart disease diagnostic and blood test available, the symptoms associated with heart disease are generally subjective. Attorneys Dell & Schaefer regularly update their website (www.diattorney.com) with long term disability insurance claim cases involving heart disease. If an individual is considering filing for disability benefits or has had their disability insurance claim denied, then they should consult with an attorney experienced in handling heart disease disability claims.

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Dell & Schaefer Client Reviews   *****

EH, M.D.

I am a physician with a long medical history including cancer, arthritis, peripheral vascular disease, and Complex Regional Pain Syndrome (formerly RSD). I expected to retire early. However, my health and work deteriorated rather rapidly. Suddenly I was no longer working and needed help negotiating my benefits. The first two attorneys I met were personally recommended. I soon learned that they had either limited or no experience with private LTD policies. I searched the internet for more information about Long Term Disability claims. The Dell & Schaefer website kept popping up with the answers to my questions. I liked both the text explanations and the videos. With nothing to lose, I requested a free consultation.

From the beginning, Attorney Steven Dell and legal assistant Merlin Bryan have been consistently honest, professional and patient. During my initial phone conversation with Steven Dell, it was clear that he understood both my medical conditions and my work situation. He had already read my LTD policies and was familiar with both the Unum and the Hartford insurance companies. Steven Dell is an excellent, thorough attorney. What does that mean? First, he knows what information is needed to submit a claim. Early on, he gave me a checklist of items he needed. At times, it felt like a part-time job, finding all of the financial, employment, and medical records he needed. Yet Steven Dell and Merlin Bryan were very patient whenever I had a health setback. They actually understood that folks with health problems have problems filling out paperwork. Second, he picked up the phone and contacted lawyers, human resources, personnel and insurance agents to keep the paperwork moving. Third, he is relentlessly thorough. I submitted hundreds of pages of paperwork. He actually seems to have read them! He double checked that dates, numbers and statements were accurate. He would not submit any paperwork until any discrepancies were discussed and resolved. At this time, two LTD claims have been approved and I have received my first benefits. I have nothing but respect and gratitude for this law firm. Thank you!

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