• What Are the Most Common Disabling Conditions for a Long Term Disability Claim?What Are the Most Common Disabling Conditions for a Long Term Disability Claim?

What are the most common disabling conditions for a long term disability claim?

Disability attorney Gregory Dell discusses some of the most common disabling medical conditions in a claim for long term disability benefits.

There are generally two sources of disability. Number one is accidents and number two is illnesses. 91% of long-term disability claims are caused by illness and not by injury. There was a recent study by the Disability Council of Awareness in which they did a survey of the long-term disability companies, as well as Social Security Disability, and came up with what percentage of claims were caused by what types of illnesses. And, for example, the major disablers were: musculoskeletal/connective tissue, which was 22.6% of claims; cancer was 13.6% of claims; cardiovascular disease was 10.1% of claims; maternity-related issues was 9.4% of claims; injuries/accidents were 8.1% of claims; mental and psychiatric disorders were 6.5% of claims; and 5.8% of claims were neurological disorders. This list is just an example of the few of the major disabling conditions. If you have any questions or concerns about a disabling condition which you feel causes you to be disabled, feel free to call us to discuss your claim.

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There are 9 comments

  • Paul, I would suggest that you send me a copy of your policy so I can go over with you and explain what your rights are under the policy. You can call my office and ask for Attorney Rachel Alters.

    Rachel AltersAug 4, 2018  #9

  • I was a Chiropractor and purchased a 2 year any occupation policy back in 1997 with a whole life rider that would pay me back when I turned 65. My policy paid the first year I was injured, then I had to fight to get my second year, due to testing that the insurance company misunderstood. After the second year I had a one year extension on one of the policies and was paid. I currently am experiencing back and neck pain from an auto accident that caused this disability policy to become active in 2015. I am also experiencing chronic brain fatigue. My primary injury Doc stated in a letter to the insurance company that he believes that my injuries make me unable to compete in the job marked. There is no Chiropractic school in my state that I could possibly teach at and I was turned down by a Doctor to work in his clinic due to my injuries.

    My question is what would I be expected to do? The policy states that Consideration is given to your education, training and experience. I was practicing Chiropractic for 27 years. Due to my daily fatigue I cannot manage a clinic, otherwise I would have done that with my own. I ended up selling my clinic in 2015. Currently I did pass my real estate boards in 2016 but honestly have no experience. There are 25,000 realtors in my city and if I sell a place it will be by sheer luck. I took the board since I was concerned that my insurance would drop me, which they did and I would have no source of income at all.

    PaulAug 3, 2018  #8

  • Katie, that is problematic as the loss of the limb would be a result of a medical condition and not an accident, which could then in turn preclude a benefit.

    Stephen JessupAug 25, 2016  #7

  • I have a UNUM Term Life and AD&D insurance policy. My left leg was amputated below the knee due to a blood clot that started in my heart and traveled down the artery and lodged behind my knee. My foot was cold. I did not think anything was wrong. I was taken to the emergency room where I apparently passed out. After two days the doctor amputated. Unum has a “Portability Accidental Dismemberment Claim Form” that I need to submit. My doctor filled out his part of the form and supplied consultation and operative reports. **He did check a box “yes” answering “In your opinion, was the loss caused in any way by illness or disease?” Now, that makes me nervous. What do you think? Also, on it is a section wanting “Information about the Injury/Loss” with directions to describe how the loss occurred. I don’t know what to put. How detailed or not detailed I should be. Do you know of any similar situations. Please let me know what you think.

    KatieAug 24, 2016  #6

  • Cigna is rated F by the better business bureau ! Need I say more

    KennyMay 20, 2016  #5

  • Lisa,

    If you are on your third appeal, chances are Cigna will find a way to deny the benefit again, as history has proven that is their inclination. Please note that if your policy is governed by ERISA, the only records and information you will be able argue in the event of trial is what is found in the administrative record. The administrative record is comprised of the information you provide to Cigna and the information Cigna creates during the course of your claim. Therefore, failure to submit a full and complete appeal could adversely affect your case should it go to litigation. Please feel free to contact us should you have any questions.

    Stephen JessupOct 20, 2013  #4

  • OK, I’ve been reading a lot of your answers. I have been dealing with Cigna for 2 1/2 years now. 5 months ago they decided I could return to work and closed my claim. I am now on my 3rd appeal. I have heart disease, diabetes with neuropathy, degenerative disc disease, nerve damage to my right arm and right leg, COPD with emphysema and poor circulation in my legs. I feel like I am just being denied because they can. What are your thoughts?

    LisaOct 19, 2013  #3

  • Larry,

    Please read this FAQ entry for an answer to your question. Thank you.

    Gregory DellOct 22, 2012  #2

  • I have frozen shoulder after two surgeries. Why would The Hartford have a nurse evaluate my medical record after a orthopedic specialist took me off for another month an possibly a third surgery?

    LarryOct 22, 2012  #1

FAQ

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   *****

Robert A., DDS

I am a long time private practicing dentist that was stricken by a sudden and severe neurological condition, which presented with very subjective symptoms. For 6 months I resisted filing a claim due to the difficulty in verifying the presence of the illness let alone its severity. However after being recommended to Dell & Schaefer by a colleague, and consultation with Steven, I went ahead, be it with a guarded optimism.

Mr. Dell’s advice and guidance was critical in achieving the successful outcome that we did. I originally thought to “go it alone”, but in hind sight there were multiple considerations that I would have certainly missed had it not been for Steven’s acumen and experience.

Mr. Dell and his team far exceeded my expectations in every capacity. He was focused, clear, responsive, efficient and above all exceedingly knowledgeable.

I would highly recommend him to anyone seeking similar counsel. I truly feel that I could not have been better represented.

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