Are you suffering from multiple disabilities? You may think that if you are suffering from a set of combined aliments that your long-term disability claim should get approved even faster than if you only suffered from one ailment. But in fact, the opposite is true. When claimants for long-term disability for multiple disabilities, the insurance company will use sneaky tactics to try to prove you can still work even if the opposite is true. Here are some ways you can combat this problem:
Sneaky Insurance Company Tactics
When you are suffering from multiple disabilities, the insurance company will take your medical file and break it down into pieces before sending it to the medical experts for review. This ensures that the medical experts only see a small piece of the puzzle. With only the information provided, the medical expert must determine whether or not a claimant can work based solely on that information. The insurance company hopes that this way, more medical experts will determine you can work because they do not see your overall health picture.
Here is an example:
Mark was diagnosed with myasthenia gravis during a visit with this doctor. myasthenia gravis is a neuromuscular autoimmune disease that causes muscle weakness and gets progressively worse over time. This muscle weakness is debilitating as most people with the disease will need to rest often because too much moving around weakens the muscles and can lead to a dangerous fall. He is currently receiving autoimmune therapy treatments, which weaken his immune system in an effort to repair it. During his most recent visit, he was diagnosed with rheumatoid arthritis. Although both of these alignments make it impossible for Mark to work, the insurance company sent his medical file in pieces to a rheumatologist who specializes in rheumatoid arthritis and a neuromuscular specialist to review separately. They hope that Mark will be determined to work even though his combined symptoms make it impossible.
Should the medical experts ask for more information on the claimant before making a decision? Of course. But these medical experts are paid by the insurance company who have an interest in seeing your claim denied. They will take these medical findings from medical “experts” and use them as strong evidence against you. This is why it’s so crucial to use a long term disability attorney. In 2018, these practices were supposed to stop with the passing of the new ERISA regulations. However, some insurance companies continue to appeal that decision and use in-house doctors to exam claimants.
Hire a Long Term Disability Attorney
An experienced long term disability attorney knows that you are a person. Not a medical file that can be split up into pieces. Your disability attorney can hire medical specialists that will review your entire medical file as a whole to determine in what capacity you can or cannot work. They also know all the other insurance company denial tactics and how to avoid them. If the insurance company chooses to ignore your medical experts in favor of their medical experts, they must now state that in your denial letter.
Have you already been denied? No problem. The long term disability attorneys at Nick Ortiz Law can help you with your appeal, hire medical experts to review your medical file and walk you through the process of avoiding long term disability insurance company traps.
Your claim with combined disabilities can be treated unfairly by the long term disability insurance company. Since you are so limited by the appeals process, consider consulting a long term disability attorney very early on. An experienced long term disability attorney can help you stay on top of your deadlines, help you gather your documents, assist you during field interviews, and give you guidance that will help you get your claim approved.
An experienced long term disability attorney at the Ortiz Law Firm can help you through every step of the process, from initial application to potential appeals. They only get paid if you win your case. You can seek help without worrying about upfront costs or unexpected bills. Our law experts will focus on your case so you can focus on your illness.
The Ortiz Law Firm offers a free consultation with no obligation to use our firm. During the call, you can ask any questions you have regarding your letter to your employer, and we will answer them. The Ortiz Law Firm has successfully represented people in disability cases across the United States. To see how we can help you win your long-term disability case, call us at (888) 321- 8131.