How Developing Your Exertional and Non-exertional Limitations Can Help You Win Your Long Term Disability Claim
Many long term disability carriers will deny policyholder’s claims on the basis that there isn’t an objective basis for any physical restrictions and limitations and/or there is no causal relationship between those restrictions and limitations and your inability to your own occupation or any occupation.
It’s crucial that you develop both the exertional and non-exertional limitations that affect your ability to your own or any occupation.
Exertional limitations for Long Term Disability Claims
Exertional limitations affect your ability to do the physical demands of the job. Most exertional limitations are strength related and they affect your ability to:
• Push; and
The long term disability carrier will use your exertional limitations to categorize your residual functional capacity using the Dictionary of Occupational Titles and Definitions for work levels:
• Heavy; or
• Heavy work.
If your physician says that you are capable of doing sedentary work, the long term disability carrier will immediately deny your benefits.
If you can’t carry more than 10 pounds on a regular basis or never lift more than 20 pounds, you will have a residual functional capacity for light work. If you can do light work, you can do sedentary work. That means you’ll lose your claim for long term disability benefits.
Non-exertional limitations for Long Term Disability Claims
Many long term disability carriers ignore non-exertional limitations that affect your ability to do non-strength work related work activities.
Examples of non-exertional limitations include difficulty doing the following tasks:
• Manipulative restrictions and limitations.
If you have difficulty using your fingers or hands to manipulate, reach or handle objects, you `have manipulative restrictions and limitations that can limit your ability to engage in repetitive activities with your hands.
• Postural restrictions.
If your doctor has restricted your stooping, climbing, crawling or crouching, those postural restrictions and limitations can also erode your ability to do sedentary work.
• Visual and communicative restrictions.
If you have difficulty seeing, speaking or hearing as a result of your disabling medical condition, you’ll have visual and communicative restrictions that will limit your ability to do sedentary work.
• Psychological limitations.
You may have difficulty functioning because of nervousness, anxiety or depression. You may have difficulty paying attention and concentrating or understanding and remembering detailed instructions. These psychiatric restrictions and limitations can reduce your ability to do sedentary work.
Non-exertional limitations can also be caused by pain or side effects of medication. If you or a loved one needs help with a Long Term Disability claim, please don’t wait to contact us today. Often waiting to file for long term disability can prolong the process. Call 727-894-3188 today.