Disability insurance companies don’t always make it easy for policyholders who have eye and visual problems to get the disability benefits they deserve. Not every eye or visual problem will qualify for disability benefits.
How Do Disability Carriers View Eye and Visual Disability Claims?
You will have to show profound visual changes and overcome the carrier’s argument that you have been working with these problems for years and nothing has changed.
Carriers also frequently contend that accommodations can be made to allow you to continue to work.
Many disability claims for eye and visual problems are denied because the disability insurance company says:
(1) There is no objective basis of the eye or visual diagnosis,
(2) There is no objective basis for the restrictions and limitations assigned by your physician, or
(3) There is no causal relationship between your eye and visual problems and/or your restrictions and limitations, and your inability to do your own or any occupation.
Nancy Cavey has successfully represented many policyholders with eye and visual problems. She overcomes a claims denial by working closely with you and your physician. She often employs a vocational expert to address the disability carrier’s argument that you have been able to work or that you could work with accommodation.
Nancy Cavey offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.
What Are The Most Common Disabling Eye and Visual Problems?
More than 40 different types of eye diseases can cause limitations on the ability to see clearly or to see at all. It isn’t uncommon for visual problems to be caused by stroke, seizure, brain injury, neurological problems or vestibular problems.
Eye and visual problems can be broken down into two types:
The term “low vision” or “vision loss” simply means the person has difficulty seeing. The most common causes of low vision are:
There are four levels of visual dysfunction:
Visual dysfunction can be caused by trauma, retinal degeneration, muscular problems, corneal disorders, congenital disorders and even infection.
How Do I Get The Disability Insurance Benefits I Deserve?
Eye and visual problems can interfere with your daily activities and with your ability to work.
If you no longer can work because of eye or visual problems, or if your doctor has told you to apply for disability benefits, you should take steps before you apply:
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
Eye and visual problems and their complications 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.