Collecting Rheumatoid Arthritis Disability Benefits Is A Reality
Disability insurance carriers often challenge a diagnosis of rheumatoid arthritis. How Can Disability Insurance Attorneys Dell & Schaefer Assist You?
As disability attorneys, Dell & Schaefer have represented numerous long term disability claimants that have been unable to work as a result of rheumatoid arthritis. Disability Attorneys Dell & Schaefer have an expansive understanding of the significant restrictions and limitations that a person suffering with rheumatoid arthritis must live with on a daily basis. We have worked closely with top physicians in order to sufficiently satisfy a disability carrier’s threshold of evidence necessary to prove that a client is disabled by rheumatoid arthritis.
Not everyone suffering from rheumatoid arthritis qualifies for long-term disability benefits, therefore the medical records of each client must be reviewed to determine the level of restrictions. We welcome the opportunity to discuss your long-term disability claim. You can contact us for a free consultation.
What is rheumatoid arthritis?
Rheumatoid arthritis is a chronic inflammatory disorder that most typically affects the small joints in the hands and feet. Unlike the wear-and-tear damage of osteoarthritis, rheumatoid arthritis affects the lining of your joints, causing a painful swelling that can eventually result in bone erosion and joint deformity. For most people with RA the pain varies day to day, however it is continuous.
Rheumatoid arthritis is an autoimmune disorder and occurs when your immune system mistakenly attacks your own body’s tissues. In addition to causing joint problems, rheumatoid arthritis can also affect your whole body with fevers and fatigue.

Approximately 2.1 million people in the United States have rheumatoid arthritis and about 1-2 percent of the world population is affected by rheumatoid arthritis. Seventy-five percent of rheumatoid arthritis patients are women. Men, women, and even children can develop rheumatoid arthritis. Typically, disease onset for rheumatoid arthritis occurs between 30 and 60 years old.
Rheumatoid arthritis occurs when your immune system attacks the synovium, which is the lining of the membranes that surround your joints. The resulting inflammation thickens the synovium, which can eventually invade and destroy the cartilage and bone within the joint. The tendons and ligaments that hold the joint together weaken and stretch, gradually, the joint loses its shape and alignment completely.
Doctors cannot pinpoint a single cause of the rheumatoid arthritis, although a genetic component appears likely. While your genes don’t actually cause rheumatoid arthritis, they can make you more vulnerable to environmental factors, such as infection with certain viruses and bacteria, which may trigger the disease.
Additional Factors that may increase your risk of rheumatoid arthritis include gender, as women are more likely to develop rheumatoid arthritis than men are. Age is a factor even though rheumatoid arthritis can occur at any age, it most commonly begins between the ages of 40 and 60. Smoking cigarettes increases your risk of rheumatoid arthritis.
How the symptoms of rheumatoid arthritis can affect you
Rheumatoid arthritis causes joint damage that can be both debilitating and disfiguring. Damage to your joints may make it difficult or impossible to go about your daily activities. You may find at first that tasks take more energy to accomplish. With time you may find you are no longer able to do them at all.
Signs and symptoms of rheumatoid arthritis may include joint pain, joint swelling, tenderness, swelling, rheumatoid nodules (firm bumps of tissue under the skin), stiffness, fever and weight loss.

Early rheumatoid arthritis tends to affect your smaller joints first, such as the joints in your wrists, hands, ankles and feet. As the disease progresses, your shoulders, elbows, knees, hips, jaw and neck also can become involved. In most cases, symptoms occur symmetrically, in the same joints on both sides of your body.
Rheumatoid arthritis signs and symptoms may vary in severity. Periods of increased disease activity, called flare-ups, alternate with periods of relative remission, during which the swelling, pain, difficulty sleeping and weakness fade or disappear.
There is no cure for rheumatoid arthritis. Medications can reduce inflammation in your joints in order to relieve pain and prevent or slow joint damage. If your joints are severely damaged by rheumatoid arthritis, surgery may be necessary.
Many drugs used to treat rheumatoid arthritis have potentially serious side effects. Doctors typically prescribe medications with the fewest side effects first. You may need stronger drugs or a combination of drugs as your disease progresses.
Nonsteroidal anti-inflammatory drugs (NSAIDs) can relieve pain and reduce inflammation. Over-the-counter NSAIDs include ibuprofenand naproxen sodium.
Corticosteroid medications, such as prednisone and methylprednisolone, reduce inflammation and pain and slow joint damage. Doctors often prescribe a corticosteroid to relieve acute symptoms.
Disease-modifying antirheumatic drugs (DMARDs) can slow the progression of rheumatoid arthritis and save the joints and other tissues from permanent damage. Commonly prescribed DMARDs include methotrexate, leflunomide, hydroxychloroquine, sulfasalazine and minocycline.
Immunosuppressants act to tame your immune system, which is out of control in rheumatoid arthritis. Examples include azathioprine, cyclosporine and cyclophosphamide.
Tumor necrosis factor-alpha (TNF-alpha) inhibitors, is an inflammatory substance produced by your body. TNF-alpha inhibitors can help reduce pain, morning stiffness, and tender or swollen joints. Examples include etanercept, infliximab and adalimumab.
Several other rheumatoid arthritis drugs target a variety of inflammatory substances produced by your body. These drugs include anakinra, abatacep and rituximab.
If medications fail to prevent or slow joint damage, you and your doctor may consider surgery to repair damaged joints.
Rheumatoid arthritis surgery may involve one or more of the following procedures:
During a total joint replacement surgery (arthoplasty), your surgeon removes the damaged parts of your joint and inserts a prosthesis made of metal and plastic.
Inflammation and joint damage may cause tendons around your joint to loosen or rupture. A tendon repair surgery may be able to repair the tendons around your joint.
If the lining around your joint (synovium) is inflamed and causing pain, your surgeon may recommend a snovectomy, removing the lining of the joint.
Joint fusion surgery (arthrodesis) may be recommended to stabilize or realign a joint and for pain relief when a joint replacement isn’t an option.
Through education about the disease, exercise, diet changes, assistive devices, and other supports many people are able to manage their disease.
Resources
There are many valuable sources of rheumatoid arthritis information available. You can also access resources over the internet such as:
- National Institute of Arthritis and Musculoskeletal and Skin Diseases
- American College of Rheumatology
There are numerous charities dedicated to rheumatoid arthritis research, detection and treatment including:
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Prudential terminated my LTD, so now I have no income
Reply
Lincoln Financial made my life a living hell
Reply
They demanded an overpayment, stopped my claim, and lied about it
Reply
Sun Life is a real pain
Reply
I feel like Unum is giving me the runaround!
Reply
Cigna used another person's medical info to deny my claim and ignored my doctors
Reply
CIGNA LTD DISABILITY IS A SCAM! They are making me crazy
Reply
CIGNA and their employees are a disgrace.
Q: What do I do if Aetna says I'm not enrolled in their disability policies?
Q: Can Sun Life discontinue my claim for not using the advocator group?
Rheumatoid Arthritis And The Cognitive Dysfunction Connection In Disability Insurance Claims
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
Guardian Disability Benefit Claim Handling Tips
Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
Is UNUM a Good Insurance Company?
Don’t Ignore Disability Insurance. Here’s What to Buy.
How To Get Long Term Disability Benefits Approved Due To Neck Pain
Dell Disability Lawyers Administrative Appeal for Cafeteria Manager Forces Lincoln to Re-Approve Disability Claim
Accountant who was previously on claim for 7 years gets LTD re-approved after Appeal to Lincoln Financial Group
CIGNA overturned its previous denial of both short term and long term disability benefits for Michigan Senior Personal Banker
After appeal filed by Attorney Jay Symonds, NWM overturned its previous denial of long term disability benefits for California Customer Relations Supervisor
Hartford Reinstates Disability Benefits to HR Manager
Disability Benefits Reinstated: Dell Disability Lawyers Appeal Gets CIGNA to Admit its Decision to Deny was Wrong
Sun Life ignored its own medical expert's opinions supporting registered nurse's inability to work in a sedentary occupation due to severe rheumatoid arthritis
Liberty Mutual Twice Denies and Approves Long-term Disability Benefits to IT Systems Analyst with Rheumatoid Arthritis
Reviews from Our Clients






