Disability insurance companies don’t always make it easy for policyholders who have osteoarthritis to get the disability benefits they deserve.
Severe pain associated with osteoarthritis is one of the most common reasons for filing a disability claim. Carriers are notorious for denying and terminating osteoarthritis claims because they just don’t understand them.
How Do Disability Carriers View Osteoarthritis Disability Claims?
Many claims are denied because the disability insurance company says:
(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 osteoarthritis,
(3) There is no causal relationship between your osteoarthritis diagnosis and/or restrictions and limitations, and your inability to do your own or any occupation.
The carrier has a laundry list of other reasons to deny your claim:
The surveillance shows that you can do more than you or your doctor say you can.
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with osteoarthritis. She overcomes a claims denial by working closely with you and your physician.
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 Osteoarthritis?
Osteoarthritis symptoms can include:
It’s not uncommon for osteoarthritis also to affect your neck, small finger joints and even your feet. The pain can be excruciating and unrelieved with medication.
How Do I Get The Disability Insurance Benefits I Deserve?
Osteoarthritis 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 pain without objective findings to be a subjective condition; benefits are limited to just two years. You need to know about 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 pain.’’
Often there just are no objective findings on x-rays, CT scans or MRIs to explain someone’s pain. Carriers make a leap of logic and conclude the policyholder either is exaggerating or faking their pain. Nancy, who has had spine surgery herself, 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
Osteoarthritis 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.