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Chronic conditions

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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Important Shifts in Fibromyalgia Proof for LTD cases 2017

Fibromyalgia Claims Fibromyalgia is a disease that does not offer any objective evidence or test results. It has been difficult to “prove” for long-term disability claims in the past. In 2017 there were two strong decisions which overturned long-term disability benefit denials. Disabled claimants were entitled to long-term disability benefits for fibromyalgia. The 2017 rulings represent important…

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Most Long Term Disabilities Are Caused By Chronic Conditions

Chronic Conditions are the Root of Most Long Term Disability Cases Most Long Term Disability Insurance cases are the result of chronic conditions, rather than accidents or injuries. In our experience representing clients in Long Term Disability Insurance cases, very few disabilities are caused by injuries resulting from an accident. Most of our clients have…

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Long-Term Disability Denials of POTS Syndrome Claims

Over the past few years we have represented multiple clients who have been inflicted with POTS or “Postural Orthostatic Tachycardia Syndrome”.  POTS is an unusual condition that causes the Autonomic Nervous System to malfunction. POTS symptoms can include tachycardia, heart palpitations, chest pain, fainting, nausea, rapid gastric emptying, blood pooling in the extremities, sleep abnormalities,…

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Fibromyalgia Disability Advice: How to avoid Long Term Disability Claim Denial

Choosing the wrong type of Doctor to treat your fibromyalgia could cause insurance to deny your disability claim. What type of Doctor should I see for fibromyalgia? Fibromyalgia is a disease that does not offer any objective evidence or test results, therefore the clinical notes recorded by the treating physician become very important to diagnosing…

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