Disability insurance companies don’t always make it easy for policyholders who have hip disorders to get the disability benefits they deserve.
How Do Disability Carriers View Hip Disorder Disability Claims?
Unfortunately, many hip disorder disability claims are denied because the disability insurance company says:
(1) There is no objective basis of the 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 hip disorder 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 Hip Disorder Claims
Disability insurance companies use other reasons to deny claims:
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with hip disorder 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 pain have on your ability to return to your occupation or any occupation. Difficulty sitting, walking and traveling can make it impossible for executives and professionals to perform their occupation.
Your physician and the vocational evaluator also can explain how performing your occupation or any occupation creates a significant risk of aggravating your symptoms and increasing the need for additional treatment, including surgery. 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 hip 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 Causes of Hip Disorders?
Hip pain and referred back pain are common complaints. They can be caused by a number of medical conditions. It is important that the cause(s) of your pain be determined by objective medical testing and that you get the right kind of treatment.
Treatment commonly includes medication, therapy, injections and even surgery, including resurfacing of the hip or a total hip replacement.
The common causes of hip disorders include:
Regardless of the cause, it is important to document the functional problems you have with standing, walking, sitting, bending, stooping, crouching and lifting to show that you can’t do the occupational requirements of your occupation or any occupation.
How Do I Get The Disability Insurance Benefits I Deserve?
Hip disorders 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 pain, stiffness and limited range of motion. 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
Hip disorders 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.