Physical Disability Claims
Physical disability, due to illness or injury, can have a substantial impact on an individual and their family’s quality of life. If a medical condition is serious it may prevent a person from returning to the workforce. Cardiovascular, oncological, orthopedic, neurological, neurodegenerative, gastro-intestinal, and other diseases and disorders can be totally or partially disabling. In order to return to normal functionality, a person must follow the advice of their medical providers, which usually requires treatment, medication, and rest. However, during this period of time, financial demands become greater and many people begin to rely on long-term disability benefits.
Today more than ever, insurance companies are constantly instituting more rigid and narrow standards of what constitutes a physical disability. Chronic pain and fibromyalgia are good examples of this. Insurance claim adjusters have difficulty assessing claims with these types of medical conditions because it is challenging to evaluate these subjectively perceived conditions and their impact on physical ability. There are other aspects to consider including, the insured’s self-reporting of their own symptoms and how this corroborates with medical documentation and evidence.
The result is many disability claims are denied or terminated and those who need benefits to afford recovery treatment and to manage the expenses of daily life are left in a vulnerable position. The cost of medical treatment, therapy and medication can accumulate and be overwhelming. If your condition is so severe that you are unable to work then you become reliant on these disability benefits to ease your financial burden. Retaining a disability insurance lawyer will be beneficial as they can guide you through the paper work, documentation and medicals with the aim of getting you the benefits you deserve.
Your legal representative should be aware that as a result of being physically impaired there can be associated psychiatric and psychological implications. When a physical disability prevents someone from being able to work it also likely prevents them from managing the familial responsibilities and duties they once did. The constraints of a physical disability also affect the enjoyment of life. The inability to provide for your family and partake in life’s enjoyments can create emotional strain, anxiety, or depression which only makes your recovery more difficult.
If an insurance company denies a claimant’s benefits, an experienced disability lawyer should be able to provide the support necessary to help restore the client’s peace of mind. An advocate should have the knowledge and advice required so that a claimant can receive the benefits they need and are entitled to by law.