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
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
In the past few weeks, there have been some interesting news articles that either impact the landscape of the disability insurance industry or affect how disability benefits may be awarded in the future. As a disability claim consultancy firm, we accept our challenging responsibility to stay current on industry news and realize that many don’t have the time or ability to keep up with the volume or focus of information. There are developments in many different fields that can have a direct impact on disability insurance and individual claims, from new medical research to job programs to court decisions. Taking the time to research our industry allows us to stay current on the best claims presentation and handling processes and updates the ways we interact with our clients and the recommendations we make about their disability claims. We hope that seeing how we keep our clients up to date on news and developments helps your own decision-making process and builds trust in the disability claim community. Of course, the only problem is that change and developments never stop. While these topics were current when this blog post was written, everyday they become a little more outdated. Please stay tuned for future news and updates. Continue reading
Surveillance is an issue that has been mentioned in several past blogs and creates tension and stress for claimants and insurance companies. Disability claim examiners are trained to recognize certain “red flags,” ranging from incorrect statements on claims forms, to inconsistencies with medical information, to the experiences of a claims handler, that can trigger different types of surveillance. In response to several questions about specific surveillance techniques and how to handle them, I’d like to explain some of the more common tactics used on a regular basis by insurance companies. Continue reading
If I were to ask you the number one cause of disability in the United States, what would you say? It may surprise you that the answer is…arthritis. Arthritis is a very common condition that affects the ability of more than 20 million Americans to work in their chosen careers on a daily basis. It manifests itself in many different forms, but the main type is osteoarthritis followed by rheumatoid arthritis and psoriatic arthritis. In the case of individuals who try and continue their careers, their work abilities can be marred by absenteeism and frequent doctor appointments to deal with the pain and difficulties of movement. It’s estimated that over $60 billion dollars a year in earnings are lost due to this degenerative disease. Disability insurance is a very important consideration in the treatment and recovery of an arthritis patient, so it’s critical to remember several key points when applying for disability benefits from an insurance company. Continue reading
The pros and cons of medical marijuana use are a major area of contention in the alternative medicine communities and are beginning to appear on the radar of mainstream politics as well. In fact, the very mention of the topic seems to cause controversy and raise strong feelings. Whatever your beliefs, the use of medical marijuana is a topic that deserves examination.
As new studies have shown, medical marijuana may have a place and time in the treatment of many different ailments. This is not an opinion shared by all medical experts. There are increasing debates raging in the medical community about the usefulness and effectiveness of many different iterations of the substance, from smoking the plant to eating marijuana reductions and taking synthetically produced THC medications as Marinol. We have had several clients who have gotten good results and advocated the use of medical marijuana as well as clients who have questions about how the medication may affect their diseases and the corresponding effect on their disability claims. Today I’m going to look at several facets of the argument and let you and your doctor decide on the proper course of treatment for your condition. Continue reading
Modern pharmaceuticals have been responsible for many medical advances and helped improve the quality of life for many sick and disabled individuals, many of whom receive disability benefits from both the Social Security administration and private disability insurers. With all of the positive news, it is easy to overlook the cases of addiction and the life-long dependencies many of these drugs cause. When claimants become addicted to the medications they’re using to control their disability or disease, their claims for disability benefits can become much more difficult and challenging, subject to multiple delays or denials.