Osteoarthritis Disability Insurance Claim Help From Disability Lawyers
The severe pain associated with osteoarthritis prevents many Americans from working in their own occupation or any occupation. Osteoarthritis disability insurance claims are often an issue for disability insurance companies due to the degenerative nature of the condition. Disability companies wrongfully expect some kind of conclusive event to have occurred in order to justify paying a person that has stopped working due to osteoarthritis. Osteoarthritis is a chronic and degenerative condition and people suffer and continue to work for many years before they stop working. Our disability lawyers understand your medical condition and we know what the disability company needs to see in order to approve your claim. If the disability company refuses to act reasonably, then we will sue them and we know the legal standard that they must comply with. We try to do everything possible to avoid a lawsuit and make sure you continue to get paid every month.
Our disability insurance lawyers will work with your doctor(s) to make sure that the best medical evidence is obtained and presented to your disability carrier. People with osteoarthritis have good days and bad days. Insurance companies don’t believe in good days and will try to obtain video surveillance of you in order to prove that you can return to work. Our job is to protect your benefits and make sure the disability insurance company pays your claim. We know how the disability companies think and we are able to always keep you one step ahead of them. Contact us for a free consultation to discuss how we can assist you with your short or long term disability insurance claim. We assist claimants located anywhere in the USA.
A Record of Success with Osteoarthritis Disability Benefit Claims
Our disability insurance lawyers have years of experience assisting those who suffer from osteoarthritis. Read some of our resolved cases to see how we have helped people in your situation:
- $79,000 in long term disability insurance benefits is recovered for disabled teacher
- Attorney Dell & Schaefer prove dentist is totally disabled and not residually disabled
- MetLife approves disability insurance benefits for OB/GYN suffering from multiple orthopedic conditions
We welcome you to review hundreds of our client testimonials and resolved cases so that you can learn more about how we may be able to help you.
Resources About Osteoarthritis
For more information about osteoarthritis, visit the following links:
- National Institute of Arthritis and Musculoskeletal and Skin Diseases
- American College of Rheumatology
- American Academy of Orthopedic Surgeons
To learn about osteoarthritis charitable organization take a look at:
Visit this page later for new information about osteoarthritis benefits. We provide updates about new cases and laws relevant to anyone with osteoarthritis.
I am at a loss as how to handle Guardian Insurance. I opened a STD claim in March, which they promptly paid for 2 months of the 13 month period. My plans were to then apply for the LTD. My Doctor deemed me unable to work last August due to progressive osteoarthritis (since 2005 on his records). I also had a discectomy performed in May 2009. Since that date I have been unable to fully recover and have worked up until 1/30/15- even after the Dr. told me to not work last August. I did not see the Doctor in person from August thru January and called for an appointment in January. The soonest I could get in was May 29th, 2015. I scheduled that date. I have each month since last August called the doctor’s office to get a pain prescription and let the staff know how I was doing- until my May appt. Guardian ins pulled the plug on my claim after eight weeks stating I was not under “regular and appropriate care”. The Doctor advised me last August that there was nothing that could be done for me other than “comfort” meds. He actually told me that future appointments were futile. I have for the past 6-7 years on my own gone thru upper body therapy, faithfully gone to a chiropractor, received weekly massages, perform do tai chi and swim at the local Y. My goal was to muddle through somehow to 65. I couldn’t tolerate the pain from setting at my desk anymore. I am a CEO of a FI. It is not a heavy labor job but a stressful desk job. When I had the discectomy in 2009 that Doctor also told me that nothing further could be done for my arthritis. How now do I handle an insurance company that doesn’t want to pay a claim but uses the “care” card as reasoning. To get a step ahead of them , knowing I would be filing the LTD, I applied for SSDI. Low and behold I am scheduled to see an IME in July. I had assumed I would be denied right out of the gate. If I do receive SSDI I would still like to see Guardian pay their portion. I have afforded this benefit to my entire staff for 30 years and feel that being treated this way is unjust to me but also to them. How do I proceed on this “regular and appropriate care” issue when two well respected Doctors in the Pittsburgh area say no further help is available to me.
Candace,
Please contact our office to discuss your claim. When was the claim denied, and have you filed an appeal yet? Some policies indicate that the Regular Care of a Physician provision will not be applied if it is deemed that the treatment would not be deemed necessary. However, Guardian’s evaluation is probably that your claim is a “chronic pain” condition claim and would then apply standards of care as it relates to pain control.