Disability insurance companies don’t always make it easy for policyholders who have knee disorders to get the disability benefits they deserve.
How Do Disability Carriers View Knee Disorder Disability Claims?
Unfortunately, many knee 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 knee 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 Knee Disorder Claims
Disability insurance companies cite other reasons to deny claims:
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with knee disorder claims. She has had three knee surgeries herself, including cartilage replacement surgery, and she is a candidate for a total knee replacement.
Ms. Cavey overcomes the 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, standing 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 the medical and vocational aspects of your claim each 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 knee 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 Knee Disorders?
Knee pain and referred back or hip pain are common complaints and 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, such as resurfacing of the knee or a total knee replacement.
The common causes of knee 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. This will be used to show you can’t do the occupational requirements of your occupation or any occupation.
How Do I Get The Disability Insurance Benefits I Deserve?
Knee 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
Knee 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.