Disability insurance companies don’t always make it easy for policyholders who have multiple sclerosis (MS) to get the disability benefits they deserve.
MS is a progressive disease of the central nervous system that disrupts the flow of information within your brain and from the brain to your body. Each of the four types of MS have different symptoms. The symptoms and progression vary from person to person.
Regardless of which type of MS a policyholder has or the progression of the disease, disability carriers are notorious for denying and terminating many claims.
The Common Reasons Disability Carriers Deny MS Disability Claims
Common arguments disability carriers make are that:
As a result, many disability claims for MS 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 MS,
(3) There is no causal relationship between your MS and/or your restrictions and limitations, and your inability to do your own or any occupation.
Nancy Cavey overcomes a claims denial by working closely with you and your physician. She has seen first-hand her client’s suffering and the devastating effects of MS; she 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 Disabling Symptoms of MS?
MS symptoms can vary depending on the type of MS and the progression of the disease. The most common symptoms are:
It is important that your medical records document your symptoms and how those symptoms impact your ability to function.
This is particularly true because you have probably been working with difficulty but now find it hard to continue. The disability carrier will want to know what has changed and what caused you to file for disability.
MS is episodic. Your symptoms may slowly progress or flare-up. Your medical records should document the progression of your symptoms, the frequency of the flare-ups, and the symptoms you have during the flare-ups.
Keep an MS diary that notes how you feel, the nature of your symptoms and how the symptoms impacted your ability to function. Be sure to give your physician a copy of the diary with the entries between each visit. This diary can show the progression and impact of your symptoms.
How Do I Get The Disability Insurance Benefits I Deserve?
Regardless of the type of MS you have, the disease 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 MS without objective findings to be a subjective condition; benefits are limited to just two years. You need to know 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.’’ You want to make sure your physician addresses that issue in your medical records before you file a claim.
Your physician might have noted that you were feeling better, had less pain or cognitive problems or that you had more energy. These entries must be addressed before your application is filed or during the appeal process if your claim has been denied.
Carriers often make a leap of logic and say the policyholder either is exaggerating or faking their fatigue or cognitive problems. Nancy Cavey knows what proof is necessary to meet the policy definition of disability.
Ms. Cavey knows how to prepare and file a winning shock and awe disability application that leaves the carrier little reason to question your claim.
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
MS 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.