You May be Entitled to Long Term Disability Benefits for Osteoarthritis
If you have purchased an individual long term disability policy or group disability policy and you have been diagnosed with osteoarthritis, you may be entitled to long term disability benefits if your condition is so severe that if prevents you from working.
Osteoarthritis is a chronic joint disease of the hands, knees, hips and spine. It primarily effects adults age 55 years or older and is caused by a breakdown of cartilage in your joints.
While physical therapy and medication can help control the pain, joint replacement surgery may be necessary when the joints in your hands, hips, or knees are damaged and not functional.
When applying for long term disability benefits, it’s important that the severity of your condition be documented in your medical records. Arthritis long term disability attorney Nancy Cavey suggests that you clearly explain to the doctor at every point the limitations imposed by your arthritis. Don’t forget to explain your pain, stiffness, swelling, fatigue and any emotional issues you have like anxiety or depression.
Your medical records will be reviewed by a long term disability carrier to determine whether or not there is objective evidence of your disability. It is crucial that you provide updated and comprehensive information about your symptoms and functionality to your doctor at every visit.
Unfortunately, long term disability carriers don’t always make it easy to for those with osteoarthritis to collect the long term disability benefits that they deserve. If your claim for long term disability benefits as a result of osteoarthritis has been denied contact disability attorney Nancy Cavey who can help you with your claim no matter where you live in the United States. Call her today at 727.894.3188 for a free disability eligibility evaluation.