Congestive Heart Failure And Your Rights Long Term Disability Benefits
Long term disability carriers don’t always make it easy for those with congestive heart failure to get the long term disability benefits they deserve.
What Are The Causes of Congestive Heart Failure?
Coronary artery disease, congenital heart defects, poorly treated high blood pressure, prior heart attacks, valvular and pericardial disease and cardiomyopathy can all result in an enlarged heart and congestive heart failure. Regardless of the diagnosis, many long term disability carriers will want to see that your heart failure has continued despite your use of medication.
What Does The Long Term Disability Carrier Look For In My Medical Records?
Many long term disability carriers will look for objective evidence of congestive heart failure by looking at systolic and diastolic heart failure. Systolic heart failure takes place when your hearts pumping capacity has weakened. Carriers will look for evidence of the following:
– the percentage of the blood pumped out of the heart with each heartbeat which is 30% or less during a period of stability, or
– the ventricular and diastolic dimensions are larger than 6.0 cm.
They’ll also look for evidence of diastolic heart failure which occurs when the heart is unable to fill properly. Disability carriers will look for:
– a thickness of the left ventricular wall and inter-ventricular septum of 2.5 cm or larger on imaging,
– an enlarged left atrium 4.5 cm or larger,
– normal or elevated ejection fraction during a period of stability.
What Long Term Disability Carriers Ignore in Evaluating A Congestive Heart Failure Claim
Many long-term disability carriers ignore the symptoms of congestive heart failure including:
– heart palpitations and
– shortness of breath.
They’ll also ignore the side effects of medication used to treat congestive heart failure which includes:
– beta blockers,
– ace inhibitors,
– digitalis, and
– vasodilators, and
What Should I Do If My Long Term Disability Claim For Congestive Heart Failure Has Been Denied?
The key to getting your long term disability benefits is a properly completed Attending Physician Statement from your physician that answers all the right question, including objective evidence of the diagnosis of congestive heart failure and all of your restrictions and limitations.
Don’t let the disability carrier rob you and your family of your peace of mind.
Call Cavey Law today at 727-894-3188 for a complimentary consultation. Attorney Cavey can help you get the disability benefits you deserve regardless of where you live in the United States.