Diabetes is a growing health problem in America with over 26 million people suffering from the condition and another 79 million individuals suffering from pre-diabetes such as insulin resistance and Metabolic Syndrome. Only approximately 5 percent of diabetics suffer from Type 1 diabetes with the overwhelming majority suffering from Type 2 diabetes. While many of these individuals are able to work long and fulfilling careers, there are increasing numbers of people whose disease prevents them from continuing in their jobs and are forced to file claims for disability insurance benefits.
Insurance companies will often dispute and deny a disability claim based solely on a diabetic condition even if it’s shown that the condition was the root cause of the inability to work. It’s important to understand that technically, they may be correct. It’s not usually the diabetes that disables someone but one or more of the many complications that are caused by this disease. If you’re receiving regular care and treatment and are following the plan of your treating physician, being diabetic in and of itself is generally not disabling. If you find you’re unable to work and are filing a disability claim, you’ll want to document the nature and extent of the complications and the severity of their impacts on your work abilities. Continue reading
Posted in Claims Process
- Tagged appropriate care, benefits, CFS, chronic fatigue syndrome, chronic pain, claim denial, depression, Diabetes mellitus, Diabetes mellitus type 2, Disability, disability claim, disability insurance, doctor, Endocrine Disorders, examiner, filing a claim, Obesity, Pain Management, tips
What a difference a year makes! Where does the time go?
We’ve been writing articles for this blog for over a year, and we’ve learned as many things from our readers as we hope you’ve learned from us. As our topics have grown and more readers have found us, we wanted to make sure that some of our posts don’t get lost in the noise of the Internet and buried deep away where claimants would less likely be able to find help. In the spirit of the NCAA basketball tournament, we’re going to go through our most popular blog posts as well as highlight some posts that we think include topical, valuable information that may be helpful in your disability claim. Thanks again for reading our blog over the past year and making us one of the top-rated destinations for disability claim advice and help. While we hope you never have any problems with your conditions or your claim, we’ll continue to be here to read, just in case, for years to come!
Posted in Resources
- Tagged back pain, CFS, chronic fatigue syndrome, chronic pain, claim denial, claims process, definitions, Denial, disability insurance, examiner, fibromyalgia, Insurance, Pain Management, reources, residual disability, settlements, social media, surveillance, tips
One of the biggest issues our clients face when filing their disability claim is the lack of clear medical opinions explicitly linking their condition to their disabling restrictions and limitations. Physicians are skilled at diagnosing a disease or illness, but they may not be the best at explaining why the condition is disabling for the claimant. This can especially be problematic with mental illnesses or other types of invisible disabilities. Any ambiguities cause increased scrutiny and in-house referrals by claim examiners and are often used as a basis for a disability claim denial. Helping your doctor connect the dots between your condition and your inability to work smooths the disability claims process and fosters a quicker claim approval with fewer questions. We’d like to discuss two perspectives to this issue: the claimant’s and the physician’s. We’re going to discuss what each party can do to make the disability clearer and the claims process smoother. Continue reading
Posted in Doctor Visit
- Tagged appropriate care, back pain, benefits, chronic fatigue syndrome, chronic pain, claim denial, definitions, Disability, disability insurance, doctor, examiner, fibromyalgia, Insurance, insurance company, Invisible disability, Medicine, Pain Management, tips
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
Posted in Doctor Visit
- Tagged appropriate care, arthritis, back pain, carpal tunnel syndrome, CFS, chronic fatigue syndrome, chronic pain, claims process, Disability, disability claim, disability insurance, examiner, fibromyalgia, Functional capacity evaluation, IME, Independent medical examination, Insurance
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
Posted in Doctor Visit
- Tagged appropriate care, claim denial, claims process, Disability, disability claim, disability insurance, doctor, examiner, IME, Independent medical examination, Insurance, insurance company, Medical record, surveillance, tips
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
Posted in Claims Process
- Tagged appropriate care, arthritis, back pain, benefits, carpal tunnel syndrome, chronic pain, claim denial, Disability, disability claim, disability insurance, examiner, fibromyalgia, filing a claim, Insurance, insurance company, Pain Management, rheumatoid, total disability
We have started our new video blog series. Check out our first video!
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
Posted in Best Practices
- Tagged appropriate care, benefits, claim denial, claims process, definitions, Disability, disability insurance, filing a claim, Financial Services, Insurance, insurance company, Policy, reources, residual disability, social media, total disability, UNUM, unum provident
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
Posted in Best Practices
- Tagged Allergen, appropriate care, asthma, benefits, claims process, cold air, disability claim, disability insurance, Indoor air quality, reources, Respiratory Disorder, weather-induced asthma, winter, Wintertime
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