Disability insurance companies don’t always make it easy for policyholders who have lymphoma to get the disability benefits they deserve.
Lymphoma is a group of blood cancers that develop in the lymphatic system. The two types of lymphoma are Hodgkin’s lymphoma and non-Hodgkin’s lymphoma.
Regardless of the type of lymphoma, disability carriers are notorious for denying and terminating many claims.
Common Reasons Lymphoma 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. Fevers, chills, the lack of energy 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 lymphoma for years and have 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.
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 lymphoma,
(3) There is no causal relationship between your lymphoma 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 lymphoma. She overcomes a claims denial by working closely with you and your physician. She has seen first-hand clients suffering the devastating effects of lymphoma 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 Symptoms of Lymphoma?
The symptoms can vary depending on the type of lymphoma; the most common symptoms are:
It is important that your medical records document your symptoms and how those symptoms impact your ability to function.
How Do I Get The Disability Insurance Benefits I Deserve?
Regardless of your diagnosis, lymphoma 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 lymphoma without objective findings to be a subjective condition; benefits are limited to just two years. You need to know any applicable policy limits before you apply for benefits.
One of the most common reasons given for a claims denial is that there is “no objective evidence to support your subjective complaints of weakness or fatigue.’’ 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
Lymphoma 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.