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EHLERS-DANLOS SYNDROME & Long Term Disability

EHLERS-DANLOS SYNDROME & LTD Ehlers-Danlos syndrome (EDS) is a group of disorders that affect the connective tissues —  your skin, joints and blood vessel walls. Connective tissue provide strength and elasticity to the underlying structures in your body. According to the Genetic & Rare Diseases Information Center (GARD), There are 13 types of Ehlers-Danlos syndromes (EDS). You can view…

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Stiff Person Syndrome

Stiff person syndrome (SPS) Stiff person syndrome (SPS) is a rare, progressive syndrome that affects the nervous system, specifically the brain and spinal cord.  Although very rare (Stiff Person Syndrome affects only 1 in a million people), McDonald & McDonald has represented several Long Term Disability Insurance clients who have suffered from SPS. The cause of stiff person syndrome is unknown,…

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Long Term Disability & Autonomic Dysfunction Or Dysautonomia

Your autonomic nervous system controls involuntary actions, such as the beating of your heart, breathing, and the widening or narrowing of your blood vessels. When something goes wrong in the Autonomic Nervous System (ANS), it can cause serious problems with many body functions that should be automatic.  We have represented many individuals with Autonomic dysfunction…

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Sjögren’s Syndrome & Long Term Disability

Sjögren’s (“SHOW-grins”) Syndrome is a systemic autoimmune disease involving gland dysfunction that can affect the entire body. Because Sjögren’s Syndrome is an autoimmune syndrome, it is found more commonly in families that have members with other autoimmune illnesses. In autoimmune disorders, the immune system, which normally protects the body from infection and cancers, may cause…

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Have you heard of ERISA?

Have You Heard of ERISA? It’s important to have familiarity with the Employment Retirement Security Act (ERISA) if you receive employee benefits through your employer. Established in 1974, ERISA sets minimum standards for private industry to protect individuals in employee benefit plans, including pension and welfare benefit plans. Welfare benefit plans may include benefits in…

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Mental Health, Bipolar 1 & Long Term Disability Denials

Mental Health, Bipolar 1 & Long Term Disability Denials In our experience, when Long Term Disability (LTD) insurance companies evaluate mental health cases, such as Bipolar 1, they typically attempt to redefine the illness and ignore their own definition of disability under the disability insurance policy. Nearly all long-term disability (LTD) policies cover mental health…

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