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Disability insurance companies don’t always make it easy for policyholders who have osteoporosis to get the disability benefits they deserve.
More than 52 million Americans suffer from osteoporosis, which changes the mass and density of your bones. This disorder causes your bones to honeycomb. The holes and spaces make your bone porous. You can easily break bones in your spine, hip, ankle, arm or wrist.
Osteoporosis of the spine can cause a vertebra to break or collapse, which can result in wedging of the bone. That can make it difficult to sit, lift and stoop.
Severe pain associated with osteoporosis is one of the most common reasons for filing a disability claim. Carriers are notorious for denying and terminating osteoporosis claims because they just don’t understand them.
The Common Reasons Disability Carriers Deny Disability Claims for Osteoporosis
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 osteoporosis,
(3) There is no causal relationship between your osteoporosis 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 osteoporosis. She overcomes a claims denial by working closely with you and your physician. She has had low back surgery and multiple knee surgeries herself, so 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 Osteoporosis?
Osteoporosis can cause:
It’s not uncommon for osteoporosis to cause significant problems with sitting, lifting and stooping. Osteoporosis can make it difficult, if not impossible, to perform any sedentary occupation. A Functional Capacity Evaluation by a policyholder-friendly physical therapist can prove the functional problems you have in performing your own or any occupation.
How Do I Get The Disability Insurance Benefits I Deserve?
Osteoporosis 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. Even if your fractures have healed, the carrier might apply the subjective or self-reported conditions limitation. 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 pain.’’
Just because x-rays show that your fractures have healed doesn’t mean you don’t have disabling pain. Carriers often 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
Osteoporosis 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.