Disability insurance companies don’t always make it easy for policyholders who have lupus to get the disability benefits they deserve. At least 1.5 million Americans have lupus, with 16,000 new cases every year.
A chronic autoimmune disease, lupus can damage your skin, joints and the internal organs. Normally the immune system produces antibodies that protect your body from viruses, bacteria and germs. With lupus, your immune system can’t tell the difference between foreign invaders and your body’s healthy tissue. Lupus creates antibodies that attack and destroy that tissue. The result: inflammation, pain and damage to your body.
The diagnosis of lupus is not easy. There are four types of lupus, and every lupus sufferer has different symptoms.
How Disability Carriers View Lupus Disability Claims
Unfortunately, many lupus claims are denied because the disability insurance company says:
(1) There is no objective basis for a diagnosis of lupus,
(2) There is no objective basis for the restrictions and limitations assigned by your physician, or
(3) There is no causal relationship between your lupus 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.
Common Reasons Carriers Deny Lupus Claims
Other reasons disability insurance companies use to deny claims:
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with lupus. She overcomes a claims denial by working closely with you and your physician to prove why your lupus prevents you from the physical aspects of your or any occupation.
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, from both a physical and cognitive standpoint. Fatigue, swelling and joint pain can make it impossible for you to perform your own or any occupation.
The key is documenting your inability to deal with stress, from both a medical and vocational standpoint.
Your physician and the vocational evaluator also can explain how performing your occupation or any occupation creates a significant risk of harm because of stress. It is important that both the medical and vocational aspects of your claim be fully documented and explained so the carrier understands what happens to you in stressful situations.
If you are ready to file a disability application and want to improve your chances of getting disability benefits, or if your claim for lupus 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.
How Do I Get The Disability Insurance Benefits I Deserve?
Lupus 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 joint pain, fatigue and headaches. You’ll want to know what’s in your policy before you apply for benefits.
It is crucial that you have testing to document the reason for your symptoms and the severity of those symptoms.
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
Lupus 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.