Leukemia is a common reason for filing a disability claim. It was why Nancy Cavey’s father applied for long term disability benefits. But disability insurance companies don’t always make it easy for policyholders who have leukemia to get the disability benefits they deserve.
Leukemia is a cancer of the blood-forming tissues, including the bone marrow and the lymphatic system.
The four most common types of leukemia are named according to the type of cell that is affected and the maturity of that cell:
Regardless of the type of leukemia a policyholder has, disability carriers are notorious for denying and terminating many claims.
The Common Reasons Leukemia Disability Claims Are Denied
Disability carriers often argue that coverage under the policy is excluded because of the pre-existing condition clause, or that benefits are limited under the subjective limitation clause. Bone pain, fatigue and side effects of treatment can be the most disabling symptoms, but they are subjective complaints. Carriers routinely dispute them.
It is not uncommon for policyholders to have had leukemia for years but not been disabled. You will have to overcome the carrier’s argument that you have been working with these problems for years and nothing has changed. It is crucial that your medical records develop the progression of your symptoms.
Carriers also may argue that treatment will allow you to continue to work so you couldn’t possibly be disabled.
As a result, many disability claims for leukemia are denied. And carriers have still other reasons to deny claims. They’ll say:
(1) There is no objective basis of the diagnosis,
(2) There is no objective basis for the restrictions and limitations assigned by your physician because of your leukemia,
(3) There is no causal relationship between your leukemia and/or restrictions and limitations, and your inability to do your own or any occupation.
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with leukemia. She overcomes a claims denial by working closely with you and your physician. Having seen what leukemia did to her father, Ms. Cavey understands what you are going through.
She offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.
What Are the Symptoms of Leukemia?
The symptoms can vary depending on the type of leukemia. The most common symptoms are:
How Do I Get The Disability Insurance Benefits I Deserve?
Regardless of your diagnosis, leukemia can interfere with your daily activities and with your ability to 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:
Some policies consider leukemia without objective findings to be a subjective condition and limit benefits to just two years. Before you apply for benefits, discover your policy’s applicable limits.
One of the most common reasons given for a claims denial is that there is “no objective evidence to support your subjective complaints of bone pain or fatigue.’’ The carrier often makes a leap of logic and concludes that the policyholder either is exaggerating or faking their pain.
Nancy Cavey knows what proof is necessary to meet the policy definition of disability.
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
Leukemia 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.