Disability insurance companies don’t always make it easy for policyholders who have shoulder problems to get the disability benefits they deserve.
Your shoulder joint is made up of the collarbone (clavicle), shoulder blade (scapula) and the upper arm bone (humerus). It is anchored by muscles, tendons and ligaments that keep the ball of your arm in the socket and allow the shoulder to move.
The shoulder can become unstable and painful as a result of degenerative changes, overuse or injury.
However, not all shoulder problems are disabling.
What Are The Common Disabling Shoulder Problems?
According to the American Academy of Orthopedic Surgeons, shoulder problems are commonly caused by:
Disabling shoulder problems include:
Sometimes these problems also involve the neck, arm and even the hand, which significantly impacts use of the arm.
How Disability Carriers View Shoulder Claims
Many shoulder claims are denied or terminated 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 shoulder problems,
(3) There is no causal relationship between your shoulder problems and/or restrictions and limitations, and your inability to do your own or any occupation.
(4) Ergonomic changes in your workplace will allow you to work.
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with shoulder problems. She had shoulder surgery herself. Ms. Cavey overcomes a claims denial by working closely with you and your physician.
If necessary, she will have a Functional Capacity Evaluation performed to document the functional problems you have with your shoulder and arm.
Nancy Cavey 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?
Shoulder problems can interfere with your daily activities and 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 shoulder conditions without objective findings consistent with the level of dysfunction to be a subjective condition and limit benefits to just two years. Before you apply for benefits, discover your policy’s applicable limits.
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.’’ The carrier often makes a leap of logic and says the policyholder either is exaggerating or faking their pain or dysfunction. Nancy Cavey, who knows how shoulder problems can cause pain and limit use of the arm, 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
Shoulder problems and complications 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.