Disability insurance companies don’t always make it easy for policyholders who have heart disease or cardiac problems to get the disability benefits they deserve.
How Do Disability Carriers View Heart Disease or Cardiac Disability Claims?
Unfortunately, many heart disease and cardiac claims are denied because the disability insurance company says:
(1) There is no objective basis of the heart disease or cardiac 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 heart disease or cardiac condition and/or your restrictions and limitations, and your inability to do your own or any occupation.
(4) There is no reason you can’t work in a sedentary capacity.
Other Common Reasons Carriers Deny Heart Disease or Cardiac Claims
Disability insurance companies offer other reasons when they deny claims:
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with heart disease or cardiac claims. She overcomes a claims denial by working closely with you and your physician.
She will even hire a vocational rehabilitation counselor to address the impact your symptoms, side effects of medication and stress have on your ability to return to your occupation or any occupation. Fatigue, shortness of breath and swelling of the legs can make it impossible for executives and professionals to perform their occupation.
Your physician and the vocational evaluator also can explain how, because of stress, performing your occupation or any occupation creates a significant risk of harm. It is important that both the medical and vocational aspects of your claim are fully documented and explained.
If you are ready to file a disability application and want to improve your chances of getting disability benefits, or if your claim for heart disease or cardiac problems has been denied, it is time to call Nancy Cavey.
She offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.
What Are The Most Common Types of Heart Disease?
The hardening and narrowing of your arteries slowly blocks them and puts your blood flow at risk. Plaque can build up in the artery wall and become a blockage, or break loose and cause a blood clot. Atherosclerosis is the most common cause of heart attacks, strokes and peripheral vascular disease.
Physicians can open up the blockage by using cardiac catheterization to access diseased arteries and a stent to open up the blockage or bypass a blocked artery.
Arteriosclerosis, “hardening of the arteries,’’ happens when the blood vessels that carry oxygen and nutrients from the heart to the body become thick and stiff. Besides causing heart attacks, strokes and peripheral vascular disease, arteriosclerosis can develop into high blood pressure or kidney failure.
Congestive Heart Failure
When your heart’s pumping power is weak, blood moves slowly through your heart and body. Your heart just can’t pump enough oxygen. The chambers of the heart stretch to hold more blood to pump though the body, or they become stiff and thickened.
As your heart muscles weaken and become less efficient, your kidneys can respond by retaining water and salt. Fluid builds up in your arms, legs, feet and lungs; the body becomes congested.
There are two types of heart failure, systolic and diastolic dysfunction. An echocardiogram, which measures how well your heart pumps with each beat, is used to determine what type of heart failure you have.
What Are The Symptoms of Heart Disease or Cardiac Problems?
The symptoms can be mild to severe, and they can come and go. Common symptoms that disability carriers ignore include:
Your physician rates the stages of heart failure, using the New York Heart Association classification. It rates your symptoms and functional limitations. It is crucial that at each visit, you give your physician an accurate and complete history of your symptoms and how those symptoms impact your functionality. Be sure to explain how stress impacts your symptoms.
How Do I Get The Disability Insurance Benefits I Deserve?
Heart disease and cardiac problems can make it difficult, if not impossible, to do things around your home and work. If you no longer can work or your doctor has told you to apply for disability benefits, you should take steps before you apply:
Your policy can include a self-reported limitation. It limits how long you can get benefits that result from self-reported symptoms, including shortness of breath or fatigue. You’ll want to know what’s in your policy before you apply for benefits.
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
Heart disease and cardiac problems 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.