Disability insurance companies don’t always make it easy for policyholders who have lung cancer to get the disability benefits they deserve. There are more than 3 million cases of lung cancer in the United States every year.
There are three types of lung cancer. Regardless of which type the policyholder has, disability carriers are notorious for denying and terminating many claims.
How Do Disability Carriers View Lung Cancer Disability Claims?
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 lung cancer for years and 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 lung cancer are denied. Carriers have 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 lung cancer,
(3) There is no causal relationship between your lung cancer 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 lung cancer. She overcomes a claims denial by working closely with you and your physician. She has seen first-hand clients suffer the devastating effects of lung disease and understands what you are going through.
Nancy Cavey offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.
What Are the Types of and Symptoms of Lung Cancer?
The three main types of lung cancer are:
Symptoms can vary depending on the type of lung cancer, and many symptoms don’t occur until the cancer has spread. The most common symptoms are:
As the disease spreads to other organs, the symptoms may include:
It is crucial that your medical records document not only your symptoms but how those symptoms impact your ability to function around your home and at work.
How Do I Get The Disability Insurance Benefits I Deserve?
Regardless of your diagnosis, lung cancer 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; benefits are limited to just two years. You need to know about applicable policy limits before you apply for benefits.
One of the most common reasons for a claims denial is that there is “no objective evidence to support your subjective complaints of pain.’’ Carriers often make a leap of logic and say 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
Lung cancer 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.