Info Library

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The Info Library

Welcome!  The Info Library is an internet-based resource that addresses in one place your questions and concerns about disability benefits, disability insurers, your illness, your occupation, and filing a claim, appeal or litigation.  In other words, a "Wikipedia" for disability claims.  If you would like to automatically receive new posts, please subscribe below.

 

 

Category: Illnesses

Back/Neck Injury | Long Term Disability Claim Tips

Back Injury Neck Pain Illnesses

Neck and back injuries can significantly diminish mobility and cause excruciating pain. A back or neck injury can be the result of work or recreational activities, disease, a fall or other accident, or a degenerative disorder. Back and neck pain is one of the most common reasons why claimants file for long term disability insurance benefits. Insurers routinely deny back and neck pain claims for lack of objective evidence.

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How to Get Long Term Disability for Multiple Sclerosis

Multiple Sclerosis Illnesses

Multiple Sclerosis (“MS”) is a chronic, progressive autoimmune disease that affects the central nervous system and can cause a wide range of physical and cognitive symptoms.  If you are living with MS, these symptoms can make it difficult or impossible to work, and may lead to long term disability.  However, despite the very serious nature of MS, obtaining long term disability benefits can be an uphill battle.

Below we will discuss how to present the strongest long term disability claim possible for multiple sclerosis.

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Is Fibromyalgia A Long Term Disability?

Video Illnesses Fibromyalgia

Those with fibromyalgia know how difficult daily living can be: coping with debilitating chronic pain, ending up exhausted for days from light activities, struggling to concentrate enough to complete even simple tasks. Many people suffering from fibromyalgia find themselves unable to continue working.

Is Fibromyalgia A Long Term Disability?

Fibromyalgia is difficult to prove as a disability since it is a condition with largely subjective symptoms.  Because of this, obtaining long term disability insurance benefits can be challenging.  Insurance companies are skeptical of claims based on self-reported subjective symptoms. They often insist that a claimant supply objective evidence in support of disability.

If you are disabled because of fibromyalgia, our disability insurance lawyers can help you assemble the evidence that insurers demand to approve a claim. 

See below for tips on filing for long term disability with fibromyalgia.

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Your Insurer May Try to Characterize Your Physical Disability as a Mental Illness

Illnesses Depression Anxiety Mental Illness Bipolar Disorder

People who suffer from a disability causing both physical and mental symptoms can face certain challenges in filing their long term disability claims.  Insurers often try to categorize these claims as strictly "mental" in an  effort to limit liability.  This is because most long term disability policies limit benefits to 12 or 24 months when the disability is caused by a mental illness. Under these provisions, benefits will stop after one or two years even if you remain totally disabled.
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Is Heart Disease A Disability?

Illnesses Heart Disease Cardiovascular

If symptoms of heart disease are making it difficult or impossible for you to do your job, your employer-provided long term disability policy may provide benefits. Heart disease can be a debilitating ailment and is a common reason for disability claims. The New York disability attorneys at Riemer Hess have helped many clients with heart conditions obtain benefits.

Below you’ll find tips on filing your long term disability claim for heart disease conditions.
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