Degenerative disc disease is one of the most common reasons for filing a disability claim. But disability insurance companies don’t always make it easy for policyholders who have degenerative disc disease to get the disability benefits they deserve.
Back or neck pain can be caused by degenerative disc disease or an aggravation from an accident or injury. A claim you are disabled because of back or neck pain is not enough. Disability carriers are notorious for denying and terminating back and neck claims, even in the face of fusion surgery.
The Common Reasons Disability Carriers Deny Degenerative Disc Disease Disability Claims
Many claims are denied because the disability insurance company says:
(1) There is no objective basis of the degenerative disc disease,
(2) There is no objective basis for the restrictions and limitations assigned by your physician because of your degenerative disc disease,
(3) There is no causal relationship between your degenerative disc disease and/or restrictions and limitations, and your inability to do your own or any occupation, and
(4) If you are in the any occupation stage of a claim, the carrier will say you can perform any sedentary occupation and deny your benefits.
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with degenerative disc disease. Ms. Cavey overcomes a claims denial by working closely with you and your physician. She has had back surgery herself and understands what you are going through!
Nancy Cavey offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.
What Are The Causes and Symptoms of Degenerative Disc Disease?
Your spine is a beautiful piece of architecture. The principal building block is bone, which can have structural problems like degenerative disc disease.
Between the bones of your spine are discs that allow the spine to move. The disc is a pad of cartilage that has a tough outer layer, the annulus, and a soft inner layer, the nucleus. It is like a jelly-filled lifesaver.
Degenerative means the actual process of the disc degenerating over time. Not all degenerative discs progress or are painful.
When a degenerative disc occurs, the thickness of a disc decreases, which can cause rubbing between discs. It’s like the jelly donut has lost its shape and size.
The common symptoms of a degenerative disc in your low back can include:
Cervical disc degeneration is not as common because your neck is generally not subjected to torque or force like your low back. But it is not uncommon in occupations that involve repetitive neck motions, including dentistry and dental hygiene.
A cervical degenerative disc can lead to spinal stenosis and even a herniated disc.
The common symptoms of a cervical degenerative disc can include:
How Do I Get The Disability Insurance Benefits I Deserve?
Regardless of your diagnosis, neck and back pain and radiculopathy can interfere with your daily activities and your ability to work. If you no longer can work or your doctor has told you to apply for disability, before you apply for benefits, you should:
When claims are denied, a common reason given is that the claim includes “no objective evidence to support your subjective complaints of pain.’’ But even objective testing can’t prove how severe and disabling someone’s pain is. Often there are no objective findings on x-rays, CT scans or MRIs to explain someone’s pain, and EMG/NCV electrical testing can be normal. People have excruciating neck pain with minimal findings.
The disability carrier often makes a leap of logic and concludes that the policyholder either is exaggerating or is faking their pain. Nancy Cavey, who has had spine surgery herself, knows what proof is necessary to meet the policy’s definition of disability.
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
Degenerative disc disease can make it difficult, if not impossible, to work. You owe it to yourself and your family to get help today! Nancy Cavey can review your policy and your medical records, and explain to you what your policy says and how to get your disability benefits. Call today for a free consultation at 727-894-3188.