• Osteoarthritis Long Term Disability Claim

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:

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:

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.

Recently Resolved Cases (14)

Cases & Claim Tips (22)

Comments (4)

  • Denise, unfortunately, I would not agree with your doctor, as the language in the policy as to what will constitute a “pre-existing condition” as it relates to a claim for disability benefits will determine coverage even if Colonial wrote the policy knowing you had a knee condition. From the information provided, it seems that your policy has standard pre-existing condition in that if you file a claim within 12 months of obtaining coverage it will trigger the review, which will then typically look to see if you had treatment for the condition within three months (sometimes higher) prior to obtaining coverage. If there was treatment in that time period the condition would be deemed pre-existing. The only really way to get around a pre-existing condition provision is to work for at least 12 months and a day after obtaining coverage, at which point the provision would not apply. Please feel free to contact our office to discuss your situation further.

    Stephen Jessup Oct 1, 2022  #4

  • I have a diagnosis of arthritis/osteoarthritis. I had a knee injury in 2020 was denied STD by colonial life due to that injury then in October 2021 I got STD coverage through them. I know they were aware of my diagnosis when I got the policy. Then February of 2022 I seen specialist that said I needed a total knee replacement. I filed claim in August 2022. Now, they fighting saying pre-existing condition within 12 months of coverage. They’ve not denied saying still needing further information. But, my gut is saying they’re going to deny due to previous history. What can I do? My doctor is telling me they cannot hold arthritis as a pre-existing condition and I need to fight it no matter what policy says, they sold you policy knowing your condition and you didn’t know you would need surgery when you got the policy.

    Denise Sep 30, 2022  #3

  • 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.

    Stephen Jessup Jun 18, 2015  #2

  • 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 Jun 17, 2015  #1

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Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Bert M., DDS

I was referred to Dell & Schaefer thru a network group of top clinicians who gave them a very positive recommendation. I was not disappointed. Dell & Schaefer’s organisation, confidence and direction proved invaluable during a very frustrating and emotional period. We were fortunate to get them onboard at onset of my medical problems, and their help was pivotal as the demands of my illness and the claims procedure became very challenging. I can’t say enough positive things about Stephen Jessup, Greg Dell and the many valuable members of their team. They possess unique knowledge and experience critical for success in this field, and demonstrate a sincere commitment to success for their client. These are highly skilled professionals who provided outstanding guidance and personal support through the processing and management of my professional disability insurance claim.

***** 5 stars based on 202 reviews

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