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ERISA Disability Policy: Be Prepared for Limited Benefits for Neuromuscular Disorders

You purchased a disability insurance policy to provide you with peace of mind, but there might be a terrible flaw in your policy that will rob you of that peace of  mind and your financial security. The Two Types of Limited Disability Benefit Provisions in an ERISA Disability Policy or Plan There are two limited disability benefit provisions that you might find in a disability insurance policy or plan. The first is a mental-nervous policy limitation that will limit the payment of benefits to just two years if the disability is caused by a psychological condition. The second is a “subjective medical condition”...

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What Every Long Term Disability Policy Holder Ulcerative Colitis Needs To Know About Getting Their Disability Benefits

Ulcerative Colitis Long Term Disability Insurance Claims Attorney

Ulcerative colitis long term disability insurance claims: is an inflammation and ulceration of the large intestine which causes thickening and scarring of the colon. Your colon cannot properly deal with the excess fluid from your feces and as a result, you may have abscesses around the anus, colon rupture or even develop cancer. If your doctor has told you to stop working and apply for long term disability benefits as a result of ulcerative colitis you should make sure that there is objective evidence of the diagnosis in your medical records this includes: Documentation of recurrent body stools and repeated examinations Persistent...

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Can I Get Social Security Disability Benefits for Chronic Heart Failure?

Chronic Heart Failure Social Security

Yes! The Social Security Administration (SSA) uses a Five Step Sequential Evaluation in determining an applicant’s entitlement to Social Security Disability benefits. At Step 3 of the Five Step Sequential Evaluation, the SSA will review your medical records to determine if you have a Listing level impairment for chronic heart failure. The SSA has specific evidentiary requirements that must be met to establish that you’ve met a Listing level impairment. Your medical records must document an abnormal cardiac imagining that shows “objective measures of left ventricular function and structural abnormality in the heart.” §4.00(D)(2) You must also demonstrate that your heart condition...

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What Prostate Cancer Sufferers Need To Know About Their Long Term Disability Policy

[vc_row][vc_column][vc_column_text]Prostate cancer is the most common non-skin cancer and the second leading cancer death in the United States. Unfortunately, many prostate cancers grow slowly and do not cause any symptoms in men that have it. IF you’ve been diagnosed with prostate cancer and have a disability policy, there are some things you need to know before you stop working and apply for benefits. Make Sure Your Medical Records Document Your Symptoms. Men can have different symptoms with Prostate cancer which can include: difficulty urinating, frequent urination, brief or interrupted flow, or blood in the urine or semen. The need to urinate frequently can...

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Bacterial Blueprint For Chronic Fatigue Syndrome – Win Your Claim For Long Term Disability Benefits

Chronic Fatigue Syndrome Disability Attorney Symptoms

In a study published in Microbiome researchers have identified a new bacterial blueprint for chronic fatigue syndrome. That’s crucial because many long term disability carriers take the position that chronic fatigue syndrome really has no objective or organic cause. What Is Chronic Fatigue Syndrome Symptoms? Chronic Fatigue Syndrome (CFS) can cause: 1. Extreme fatigue. 2. Fibrofog. 3. Widespread muscle aches. 4. Symptoms consistent with inflammatory bowel disease. What Is So Important About This Study? Researchers discovered that people with chronic fatigue syndrome had higher blood levels of lipopolysaccharides, which are inflammatory molecules that indicate the bacteria has moved from the gut into the blood stream. They analyzed bacteria in...

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If My Cardiovascular Condition Doesn’t Meet the Listing, Can I Try to Prove That My Condition Equals a Listing?

Cardiovascular Condition Social Security Claims

Yes! The Social Security Administration (SSA) evaluates whether or not your medical condition equals a listing under 20 C.F.R. §§ 404.1526 and416.926. This requires the SSA to consult with a SSA medical expert before reaching a conclusion regarding equivalence. It is also helpful if your cardiologist comments on the equivalence by using the New York Heart Association Functional Classifications. Which Two Categories of the New York Heart Association Functional Classification Will Work? Category III requires: (1) marked limitation of physical activity with you being comfortable at rest, (2) Less than ordinary activity causes fatigue, palpitation, or shortness of breath. Alternatively, Category IV requires that you: (1) are...

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Cancer Is The Leading Cause Of Long Term Disability Claims

UNUM Cancer Long Term Disability Claim

Unum Disability Insurance Company, one of the carriers in the United States, has reported that cancer is the leading cause of its disability claims. In fact, cancer counts for over 16% of long term disability claims. Unfortunately, Unum like many disability insurance companies often ignore the side effects of cancer treatment when denying benefits. What You Should Do If Your Cancer Disability Claim Is Denied Receiving a diagnosis of cancer can be devastating and it will take an  emotional toll on you. Unfortunately, many disability carriers don’t deliver on their promise to provide you with disability benefits when you are at the lowest point. ...

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May 19th Is National Hepatitis Testing Day

As part of Hepatitis Awareness Month campaign, May 19th has been designated as “National Hepatitis Testing Day.”  You can find a testing event in the Tampa Bay Area by clicking the link Hepatitis testing Events Page. What Is Hepatitis? Hepatitis is an inflammation of the liver caused by one of several viruses.  In the United States, the most common type of viral Hepatitis is caused by Hepatitis A, Hepatitis B and Hepatitis C.  The CDC has begun an initiative called “Know More About Hepatitis” that seeks to increase awareness about Hepatitis and encourage people who were born from 1945 to 1965 to...

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Blood Pressure Control Can Help Prevent A Heart Attack Or Stroke

Blood Pressure Control Heart Attack Stroke Disability Lawyer

Did you know that uncontrolled high blood pressure is the leading cause of heart disease and stroke according to the Centers for Disease Control and Prevention (CDC).  Statistics show that more than 67 million Americans have high blood pressure.  High blood pressure shows new signs or symptoms which make it difficult for you to take control over your blood pressure. During February Heart Month we urge you to get your blood pressure checked if it’s high, talk to your doctor about treatment.  People with high blood pressure are four times more likely to die from a stroke. They are three times...

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Meeting A Social Security Disability Listing For An Mental Disorder or Anxiety

Anxiety Disorder Social Security Disability Lawyer

The Social Security Administration (SSA) doesn’t make it easy for those with mental disorders to get the Social Security Disability benefits they deserve. The SSA uses a Five Step sequential evaluation and, at Step 3, SSA will determine whether or not our mental disorder meets a Listing. How Does The Social Security Administration Determine If You Meet A Listing for Anxiety Disorders? The SSA has developed guidelines of which medical conditions qualify a Social Security applicant for Social Security Disability benefits based on their medical records alone.  Section 12 of the Blue Book deals with mental disorders.  It outlines what types of mental...

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