Disability claims which are the result of neck pain, also known as a cervical disorder are one of the most common causes of disability insurance claims. At least 20% of the claimants we represent are unable to work as result of a neck disorder. It is not usually the limited range of motion that prevents a person from working; rather it is the intermittent pain which prevents a person from being able to focus on their job. In order to have the best chance of collecting disability benefits it is imperative to be able to prove how your neck condition prevents you from working. Our disability lawyers know exactly what the disability insurance companies are trained to look for in order to approve a neck disability claim. We work with your treating doctor(s) and you to obtain the best medical documentation possible of your medical condition. If you are not treating with the appropriate physicians, then we will make doctor recommendations so that you can obtain the required proof to get your claim approved. Don’t assume that a letter from your doctor saying you are disabled is sufficient, because it is not. Disability insurance claim representatives are trained to look for reasons to deny claims. Call us for a free consultation to discuss how we can assist you with your short or long term disability claim. At any stage of your disability claim we are available to assist you.
Objective Evidence of A Neck Pain Disability Claim is Very Important
Insurance companies often turn people down because neck problems are common, especially as we grow older. Disability companies will often argue that there is no objective evidence to support restrictions and limitations caused by neck pain. Examples of objective evidence of a neck disorder could be an X-ray, MRI, CT-Scan, EMG, nerve conduction study, discogram or injections performed under fluoroscopy. Objective testing in all neck disability claims is essential. Positive finding are not required to collect, but a disability claim is much more challenging if the objective testing does not have any abnormalities. There are a high percentage of claimants that have normal objective testing but still have debilitating pain. Some long term disability policies require positive findings of radiculopathy or myelopathy in order to receive benefits for longer than 24 months. Our lawyers have handled thousands of neck disorder claims and have an in-depth understanding of all disorders of the cervical spine. It is important to treat with a doctor that knows how to administer the proper diagnostic testing.
Disability Insurance Company Tactics Used to Deny Neck Disability Claims
Most insurance companies hire in-house physicians to review your medical records and make a decision about your ability to work, even though they may never meet claimants or physically examine them. They will also obtain video surveillance of you and have it reviewed by their hired gun physician. Your best defense against this tactic is routine examinations from your treating physician(s) and obtaining the proper diagnostic testing. It is essential to have a treating physician who properly documents all of your complaints, restrictions and limitations. Appeals courts will often rule against insurance companies when they ignore statements from treating physicians. We recommend that people with neck disability claims treat with an orthopedist, neurologist or a pain management doctor, also known as a physiatrist. In some cases we will recommend that our clients undergo a functional capacity exam (FCE). FCE can be useful in the correct types of cases. We also recommend the use of a daily pain journal. Record all the information you have, including dates, symptoms, treatments, medical visits and time taken off work. This could all be important later.
Watch our video or read about how to prove your neck pain is disabling.
Our Experience with Neck and Cervical Spine Disabilities
Some of our successfully resolved cases about cervical spine and neck pain include:
– $79,000 in long term disability insurance benefits is recovered for disabled teacher
Contact our disability insurance lawyers today to find out if we can help. We offer free consultations so you can find out instantly what your best options are.
Resources For Neck Pain Disability Claims
For more information about neck and cervical spine disabilities, visit:
To learn more about how new laws or cases might affect your benefits, check back to this page, as we frequently update it with relevant information.
Recently Resolved Cases (40)
- MetLife Approves Long Term Disability Claim For Executive Assistant with Neck Pain
- Liberty Mutual Overturns Denial of Disability Benefits Following Submission of an ERISA Appeal
- Cigna Overturns Denial of LTD Benefits to Computer Systems Engineer after Appeal and Independent Medical Examination
- 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
- Life Insurance Company of North America (CIGNA) overturned previous denial of long term disability benefits for New Jersey Account Manager
- Prudential overturned previous denial of long term disability benefits for Mississippi Nuclear Medicine Tech
- After Aetna denied Ms. Garner’s long-term disability claim, Ms. Garner filed suit against Aetna, and the Court overturned Aetna’s decision and ordered it to pay Ms. Garner’s disability benefits
- 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
- Another Long Term Disability Claim is Reinstated after Disability Attorney Alexander Palamara successfully argues The Standard Insurance Company Mishandled Preexisting Condition Investigation
- Cigna Approves Disability Benefits to International Sales Manager
- Disability Attorney Alexander Palamara Proves to Unum that Its Decision to Deny Benefits Was Wrong for Claimant Suffering from Heart Conditions
- Sun Life Approves Disability Benefits to Surgical Services Director
- Palm Beach County Sheriff’s Deputy’s Long Term Disability Claim Reinstated Following Appeal by Disability Attorney Alexander Palamara
- Cigna overturns Short Term Disability Denial and awards Long Term Disability Benefits
- Dell & Schaefer convinces Sun Life to Overturn Denial of Long Term Disability Benefits for a Person Suffering from Severe Cervical Disorders
- Florida Nurse wins long term disability benefits from UNUM after Disability Attorney Alex Palamara wins ERISA Appeal
- Standard Overturns Denial of Disability Benefits to Chiropractor
- Cigna Overturns Denial of Benefits to Data Center Manager
- Prudential denies and settles long-term disability claim with CPA after CPA becomes totally disabled from chronic cervical neck pain and radiculopathy
- Reliance Standard Overturns Its Decision to Deny; Dell & Schaefer Client Will Again Receive Long Term Disability Benefits
- Dell & Schaefer Appeal Successful, Cigna reinstates Long Term Disability Benefits for Lockheed Martin Employee
- Principal Approves Long Term Disability Benefits for Surgeon
- Hartford Settles Disability Claim of 60 Year-Old Account Executive After Terminating LTD Benefits
- Reliance Standard Overturns Denial of LTD Disability Benefits to Timeshare Salesman
- Liberty Mutual Overturns Disability Insurance Denial in Ten Days
- AT&T Employee Dealing With Sedgwick Has Horrible Disability Benefit Claim Experience
- $79,000 in long term disability insurance benefits is recovered for disabled teacher
- Unum approves long-term disability benefits for a general surgeon diagnosed with cervical degenerative disc disease 4
- A former podiatrist and current national judo champion and marathon runner collects long-term disability benefits
- Attorneys Dell & Schaefer win long-term disability trial against Prudential Insurance Company Of America on behalf of time-share salesperson suffering from cervical disc disease
- Attorneys Dell And Schaefer obtain lump sum buy-out of an Unum long term disability insurance policy for a drywall contractor
- AXA Equitable and Disability Management Services approves benefits for a chiropractor suffering from lumbar and cervical disc disease
- Former options trader receives confidential long-term disability settlement 10 years after his original claim was denied
- Lincoln Financial approves long-term disability benefits for financial advisor injured in car accident
- Prudential reinstates long-term disability benefits to sales specialist following appeal filed by attorneys Dell & Schaefer
- Unum approves dentist for residual/partial long-term disability benefits
- Unum approves opthamologist for long-term total disabilty benefits
- Jefferson Pilot’s denial of long-term disability benefits to a quality control manager is reversed 2
Cases & Claim Tips (60)
- How To Get Long Term Disability Benefits Approved Due To Neck Pain 1
- Court Rules That Aetna’s Failure To Consider Plaintiff’s Actual Job Duties Was Arbitrary And Capricious
- Court Rules That MetLife Improperly Limited Proof Of Claim To Only Objective Data
- Court Upholds Reliance’s Denial of Disability Benefits to Riverboat Pilot
- Can UNUM Deny LTD Benefits When Plaintiff Proves Eligibility by a Preponderance of the Evidence?
- Neck Pain and Long Term Disability Insurance Claim Help
- Long Term Disability Claims Due to Back Pain
- Prudential Denies Long Term Disability Claim Due to Insurance Fraud 2
- Washington Court Finds Omaha Wrongfully Relied on Video Surveillance to Deny Disability Benefits
- Court Allows Aetna to Use the Dictionary of Occupational Titles to Deny LTD Benefits
- Lincoln Financial Beats to Their Own Drum With Long Term Disability Claims
- Cigna’s Disability Denial Of Woman With Chronic Pain and Depression Reversed And Not Subject to Mental Nervous Limitation
- Northern District of Illinois determines the exception to The Standard’s “limited conditions” provision does not apply when plaintiff failed to provide current positive MRI evidence of a herniated disc 2
- Eaton Corporation Employee Losses ERISA Disability Insurance Lawsuit as Court Says Ability to Perform Part-Time Works is Ability to Perform Any Occupation
- Beware of Unfavorable Language Limiting the Maximum Pay Period of Neuromuscular, Musculoskeletal or Soft tissue Disorder in MetLife Group Long-term Disability Policies 3
- Hartford abused its discretion by relying on video surveillance and ignoring medical evidence
- Unum Calculation Of Monthly Earnings Results In Loss Of $10,000 Monthly For Quadripeligic Disability Claimant 10
- Cigna Denies Disability Benefits, But Additional Information Could Have Resulted In A Victory
- Court Compels Metlife To Reconsider Its Decision To Terminate Claimant’s Long-Term Disability Benefits
- Court Orders Life Insurance Company Of North America To Pay Claimant Long-Term Disability Benefits
- Clopay Corporation Customer Service Representative Sues Prudential For The Wrongful Denial Of Long-Term Disability Benefits
- Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits
- Registered nurse at Temple University Hospital denied disability benefits, sues Cigna
- Liberty Life faces disability benefit lawsuits in Florida and Maryland for denying disability benefits 2
- Five lawsuits recently filed in Florida Courts against Prudential for non-payment of disability benefits to deserving claimants 2
- Liberty Life Assurance Company of Boston sued under ERISA in three different cases for denial to pay disability benefits
- Nestle Waters employee sues Assurant for denial of disability benefits under ERISA 1
- Steel fabricator suffering from disability wins lawsuit against Lincoln National
- Wisconsin disability attorney and client sue Prudential Life Insurance for its “baseless” denial of ERISA disability benefits 2
- Arkansas disability attorney filed lawsuit against SunLife on behalf of disabled Buford Media Group, LLC’s Office Manager for denial of disability benefits
- 20 years of receiving disability insurance benefits and CIGNA denies woman’s benefits three separate times 4
- Washington attorney sues CIGNA for denying disability benefits during any occupation stage and seeking to collect SSDI overpayment
- Reliance Standard Insurance Company and Lincoln National Life Insurance Company attempt to avoid payment of disability benefits by ignoring claimant’s application
- CIGNA/LINA sued for denying waiver of life insurance premium to caretaker of disabled and mentally challenged adults 6
- Federal lawsuit against Hartford Insurance alleges company refuses to pay disabled Patriot Act analyst 13
- Broadspire Services terminate long-term disability benefits after paying for 8 years
- Pennsylvania Federal Judge orders Prudential to pay disability benefits to woman diagnosed with RSD
- Prudential ordered by Michigan Court to reconsider long term disability insurance denial
- Sun Life disability insurance benefit denial is reversed after 8 years
- Prudential Disability Claim Denial is Reversed For Relying on Paper Medical Review to Deny Benefits
- First Unum terminates long-term disability benefits after 4 years of paying and SSDI approval 4
- Kentucky Court reverses CIGNA’s denial of disability insurance benefits to tradesworker 3
- CIGNA can not raise new arguments for disability insurance claim denial at the trial level
- Life Insurance Company of North America (CIGNA) ordered to supply information to disability insurance attorneys
- Life Insurance Company Of North America (CIGNA) wrongfully denies disability benefits to a Kentucky repairman 1
- MetLife must reconsider denial of benefits for former MetLife employee
- Hewlett Packard’s denial of disability benefits is upheld by appeals court
- Pennsylvania Federal Court denies Unum’s attempts to dismiss a physician’s bad faith disability lawsuit
- Prudential’s failure to provide documents weighs in long term disability claimant’s favor
- Metlife’s wrongful denial of long-term disability benefits to a Wells Fargo employee is reversed 8
- Unum approves long term disability benefits for a financial advisor diagnosed with multiple disc herniations in her neck
- The Standard Disability Insurance Company loses motion to prevent Attorneys Dell & Schaefer from deposing six of the Standard’s employees
- Broadspire and Aetna deny long-term disability benefits to manager suffering from fibromyalgia, arthritis and cervical disc disease
- Attorneys Dell & Schaefer’s client takes her case to trial against Prudential in Hawaii District Court
- MetLife releases priveleged documents prior to entry of ruling by court
- Court upholds Hartford’s denial of long-term disability benefits to a quality technical specialist suffering from cervical disc herniations and vertigo
- Dentist wins right to apply stricter standard of review in her case against Hartford for a claim for long-term disability benefits
- U.S. judge orders Broadspire to reinstate a former bank employee’s disability benefits
- ERISA disability benefits denied by Lumbermens Mutual casualty due to lack of objective evidence
- UNUM ordered to pay disability benefits to legal secretary
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