While a car accident itself may not be a reason to file a disability claim, many disability claims result from injuries sustained in a crash or other type of accident. While you may not qualify for Social Security Disability Insurance if the injuries don’t totally incapacitate you for more than 12 months, many individual and group long term disability policies cover the inability to work due to these incidents as well as almost all short term disability policies. From back problems to broken bones to “whiplash,” there are many different types of injuries that can result from even seemingly minor vehicle accidents, including some that may not become apparent for an extended period of time. Today’s blog post is going to review some of the different types of injuries that may result from these accidents and how to obtain the disability benefits you deserve while recovering from these injuries. Continue reading
At our firm, we have many clients who contact us quite a while after they’ve become disabled and stopped working. These clients are desperate for income to support their family and need their disability benefits approved immediately, which is challenging at best when dealing with an insurance company. In order to avoid such desperate situations, it’s important to begin the process of preparing and filing your disability claim as soon as the doctor diagnoses you and tells you to stop working. This list provides 10 reasons that people delay filing their disability claims and how to prevent these problems from happening to you. Continue reading
With summer and the outdoor season upon us, there can be different causes of disability to deal with. One of the more common conditions we see during this time of year, especially in the Northeast, is Lyme disease. Although there is evidence that Lyme may be spread through multiple sources, the primary method of infection is a blacklegged or deer tick bite. Lyme is a complex multisystem inflammatory disease that can affect all of the major organ systems in your body and cause a wide range of symptoms including fever, headaches, rash, pain, vertigo, speech impairments, mood swings, depression, and hallucinations. In addition, these symptoms don’t always develop immediately. It can take days, weeks, or even years before the onset of symptoms due to Lyme disease, making it extremely difficult to pinpoint the causal event of the symptoms. Continue reading
Chronic pain is a condition that presents a challenging claim scenario because of the difficult nature of the diagnosis, the many testing options, and the wide variety of treatment plans prescribed by physicians. Each of these factors relate to one another in a disability, and all need to be well documented in a disability claim. However, this does not mean that you have to blindly follow a physician’s treatment plan. There are many alternative treatments that are safe to use in conjunction with your recommended care and treatment and will help reduce the stress and suffering caused by chronic pain syndrome. Alternative treatments are common among our clients, so we’d like to mention the three most often used alternative treatments. Therapies and results vary from person to person, and what works for one individual may not work for another. Before starting any alternative course of therapy, please do prudent research to allow you to discuss it with your treating physician. Most importantly, never abandon a treatment plan prescribed by your doctors. Research and discuss alternatives to be an engaged patient but don’t abandon it. Continue reading
Obesity has become a major health problem in the United States, affecting healthcare providers and insurance companies. Although obesity is seldom a cause for disability in and of itself, it can cause or complicate a number of different conditions that can cause people to become disabled. In addition to a declining quality of life, obesity can lead to cardiovascular diseases, stroke, cataracts, diabetes, hypertension, arthritis, cancer, pulmonary diseases, and sleep apnea, among other disorders. If you’re suffering from any of these conditions and are also obese, curing your condition and regaining your life is an on-going battle. The fatigue and lack of mobility that often accompany cases of obesity make it more difficult to perform the duties of many careers, even without considering the problems caused by any accompanying complicating medical conditions. Reducing obesity is one of the best ways to reduce stress on your body and your life, but that’s not always an option due to people’s circumstances. And our discussion is not going to address the relationships between obesity, certain drug side-effects, and/or mental conditions – that’s a topic for another day. Today, I’m going to approach the topic of obesity in two ways: offering advice on how to deal with your existing disability claim while suffering from obesity, as well as sharing a few basic tips on how to reduce your weight in ways that can help prevent a disability claim in the future.
The new year is always a good time to review the events of the past 12 months and see what you can do to improve your life over the next 12 months. If you’re dealing with health problems and a resulting disability insurance claim, this is also a great time to review the status of your claim and find ways to make the claim process stronger, simpler, and better. This can be done in whichever stage of the claims process you’re in. Whether you are still considering filing a claim, are waiting on a decision from the insurance company, are receiving benefits, or are facing a claim denial, it’s important to stay on top of your claim. Insurance companies are always looking for new strategies to increase profits and reduce claims, so you should always try and stay one step ahead of them. These 10 ways to protect your claim can help reduce your stress and work required on your disability claim over the next 12 months. Like most things, maintaining a strong disability claim is easier than rehabilitating a claim when it breaks (or is denied). Continue reading
To many people who work outdoors and even those who don’t, winter can be a time of discomfort and coping with a number of different cold weather-induced conditions. One of the more common reasons clients contact us around this time of year revolves around the weather and its intensifying effects on their conditions. While many conditions seem more manageable during the warmer months, some conditions can make work unbearable when the thermometer drops. Today, I’m going to talk about weather-induced asthma and how to try to cope with this condition during cold weather. Continue reading
Almost everyone will experience some sort of back pain during the course of their lives. This can extend from the cervical to thoracic to lumbar, not to mention shooting into arms and legs, and range in severity from a minor, short-term twinge to protracted, excruciating pains that last for months. For people who deal with chronic back pain on a daily basis, performing what used to be simple tasks and normal work functions can become difficult and sometimes unbearable. Even with surgical intervention, the pain may prove too overwhelming for many people. In addition, this pain can lead to a host of other conditions such as depression and anxiety. When this occurs, sufferers of chronic back pain may need to consider applying for their disability benefits.
The claim process is full of unexpected pitfalls and hurdles that may weaken the claim and cause benefits to either be delayed or denied, preventing you from having the money you were counting on to pay the many bills that crop up when you become disabled. These following six tips represent some of the most common problems our clients have experienced when filing their claim for benefits based upon conditions that cause chronic back pain and the ways to avoid these problems, helping you receive your benefits as soon as possible when you need them most. Continue reading
When you file a disability claim, your main point of contact with the insurance company is usually a claims examiner who has been assigned to your claim. These individuals are trained to act as your lifesaver during your time of need, but they’re specifically trained (and sometimes even rewarded) to search for reasons to deny claims and goad claimants into making statements that are not representative of the truth and can be twisted to the insurance company’s advantage. There are many different ways that the insurance companies try to reach their profit goals, but one of the most obnoxious techniques seems to use aggressive and pushy tactics in the claim departments to force mistakes or cause anxiety and fear that cause claimants to reconsider whether they should even pursue their benefits. Knowing the fragile state of many claimants when they file for disability benefits, some claims departments capitalize on these weaknesses and manipulate LTD claims process to their advantage. Continue reading
Our firm gets many questions from individuals experiencing all different kinds of issues with their disability insurance. From questions about nuances between companies and policies to what could be considered to be appropriate care, we help with details of disability insurance everyday. However, these aren’t the only issues facing our clients. We know that our clients can better help themselves and return to work more successfully if they take care of themselves and follow some simple steps to help improve their recoveries. In today’s blog, I am going to talk about a few simple techniques to help those suffering from some of the most common condition that reach out for our help: chronic pain syndrome. Continue reading