Since the coronavirus pandemic began, we have seen an increase in COVID-19 long haulers who are now debilitated by COVID-induced POTS or Nervous system disorders. We have been appealing Long Term Disability Insurance denials for clients suffering from POTS (Postural orthostatic tachycardia syndrome) and other Nervous System Disorders for many years. And we have found …
Over the years we have represented many clients in Long Term Disability Insurance claims for POTS (Postural orthostatic tachycardia syndrome) or EDS (Ehlers-Danlos syndrome)or MCAS (Mast Cell Activation Syndrome). Then we started to notice a rise in cases where 2 or all 3 syndromes had been diagnosed. In 2016 Researchers found a genetic mutation that links Ehlers-Danlos …
Long Term Disability & The Comorbidities Of EDS, POTS & MCAS Read More »
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 …
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, …
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 …
Long Term Disability & Autonomic Dysfunction Or Dysautonomia Read More »
Check out this great article and graph on Understanding Multiple Sclerosis . Multiple Sclerosis is a disease that affects millions worldwide. This articles provides valuable information on the prognosis of MS and what to expect. Topics includes Myths vs Facts, Symptoms of MS, treatment options, and potential future treatment.
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 …
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 …
Mental Health, Bipolar 1 & Long Term Disability Denials Read More »
Systemic Lupus Erythematosus has been called The Great Pretender in certain medical circles. Here is some information on one of our most commonly represented illnesses. The Great Pretender Many people who suffer from Lupus go through long periods of misdiagnosis. Lupus can pretend to be many other illnesses, so depending on the symptoms, it is …
How can I be disabled but still be denied my insurance disability benefits? This is really a good question and the person asking the question is typically the disabled person. You have a lot of scenarios where the individual literally, genuinely, feels like they’re not going to be able to work. If you wanted a …
How Can I Be Disabled Yet Still Denied My Disability Insurance Benefits? Read More »
