In addition to IME’s (Independent Medical Examinations) insurance companies are also known to use Functional Capacity Evaluations, known as FCE’s, to analyze a claimant’s disability. These evaluations assess the ability to perform a series of tasks which simulate customary job duties and determine the extent to which the claimant can complete these job duties on a regular basis. FCE’s can have different focuses and purposes and be referred to as Physical Capacity Evaluations, Work Capacity Evaluations, or Disability Assessments, but they all mean the same thing: the insurance company is attempting to use a biased and flawed evaluation system to challenge the statements of you and your doctor about your ability to return to work. Continue reading
The most important piece of evidence in a disability claim is the medical basis for the disability. If there is strong medical proof of the severity and continuation of your disabling condition, then there’s a good chance of your claim getting approved. However, this may not always be the case. Many conditions don’t have clear cut tests to prove their existence, and other conditions have testing protocols that either aren’t generally accepted or aren’t always accurate. Even if appropriate testing exists, claims examiners may try to dispute the opinion of the attending physician.
When these and other issues are noticed in the claim file and want to be explored, claims examiners will often demand that the claimant undergo an IME. Continue reading
One of the biggest red flags a claimant can inadvertently create in their disability claim is to move. While there are many legitimate reasons someone can move, claim examiners have been trained to closely scrutinize a case where a claimant moves. New sets of arguments and investigative avenues are opened for the insurance company to use against you. As anyone who’s moved can tell you, moving is difficult at best. And the last thing someone needs, who is already trying to move while dealing with their disability, are new and additional hassles from their disability insurance company, not to mention the added stress of worrying that their benefits will be delayed or stopped. If you’re currently applying for or receiving disability benefits, there are several issues we think you should understand as well as a few tips on how to keep the disability claim process moving smoothly during this stressful time. Continue reading
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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
When many people think of a claimant who is receiving disability benefits, they picture someone who is visibly and physically unable to work. Although many claimants suffer from conditions of this nature, some of the most painful and devastating conditions include categories often referred to as “invisible disabilities.” Invisible disabilities include such conditions as CFIDS, Fibromyalgia, chronic pain and mental illnesses, such as anxiety or depression. These conditions can be every bit as severe and debilitating as outwardly obvious conditions but are often met with skepticism and distrust by disability claim professionals. Many claimants who suffer from invisible diseases encounter seemingly unending questions and problems with their long term disability claims and the claims process. We have seen people make inadvertent errors in how they’re presented their disability claims and simply give up, surrendering their rights to the disability benefits they actually deserve. Here are the three common reasons that disability claims based on one of these invisible diseases are denied. 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
From all of us at Royal Claims Advocates to you and your loved ones, we wish you a happy and healthy holiday season! This blog normally provides you with advice and tips on filing a successful disability claim, but today we’re going to take a break from the normal claims grind – and explain why you should too. Continue reading