Degenerative Disc Disease (DDD) and Long Term Disability Insurance Claims

Patients with degenerative disc disease may be unable to work because of their disease and its related complications. Patients who find themselves unable to work because of their degenerative disc disease may qualify for long term disability (LTD) benefits. The insurance company will review their claim to see if they qualify under the conditions of that plan.

What is Degenerative Disc Disease?

Degenerative disc disease (DDD) is perhaps the most common impairment for which people apply for disability benefits, aside from uncontrolled high blood pressure and diabetes (and the accompanying neuropathy that generally goes with diabetes). Despite the many disability claims for this impairment, it is not easy to be approved for disability for degenerative disc disease.

Intervertebral disc degeneration is one of the most common mechanical causes of low back pain. It occurs when the usually rubbery discs between the vertebrae of the spine lose integrity as a normal process of aging. In a healthy back, intervertebral discs provide height between the spinal vertebrae and allow bending, flexion, and torsion of the spine. As the discs deteriorate, they lose their cushioning ability.

Degenerative disc disease is a common condition which affects all age groups – young to middle-aged men and women equally. Changes in the mechanical properties of the disc lead to degenerative arthritis in the intervertebral joints, osteophytes, and may narrow the intervertebral foramen or the spinal canal.

Diagnosis of Degenerative Disc Disease

Upon physical examination, patients with DDD typically exhibit the following findings: limitation of movement, problems with balance, pain, loss of reflexes in the extremities, muscle weakness, loss of sensation or other signs of neurological damage. For accurate diagnosis, it is often necessary to combine clinical examination and sophisticated technology.

A medical diagnosis (also referred to as a “clinical diagnosis”) focuses on determining the underlying cause of a patient’s low back or neck pain, nerve pain, or other symptoms. There are four steps to arriving at a clinical diagnosis for a pinched nerve or disc pain:

1. Physical examination: Depending on the patient’s symptoms, a physical exam may include one or more of the following tests:

• Nerve function in certain parts of the leg or arm: This test involves tapping specific areas of the upper or lower extremity with a reflex hammer. If the patient has little or no reaction, then that is an indication of a compressed nerve root in the spine.
• Muscle strength: In order to obtain a better understanding as to whether the spinal nerve root is compressed by a herniated disc, the examining doctor may conduct a neurological exam to assess muscle strength. The doctor may also ask the patient to partially undress in order to view the patient’s muscles, particularly to determine if there is muscle atrophy, twitching, or any abnormal movements.
• Pain with palpation or motion: Palpating, or touching, certain structures can indicate what is really generating pain. For example:
  • Pain over the sacroiliac joint (at the very bottom of the spine) to palpation may indicate the patient has sacroiliac joint dysfunction.
  • Pain with leg straightening can be indicative of a pinched nerve.
  • Pain with pressure on the low back may indicate pain due to a degenerative disc.

2. Review of specific symptoms: A complete review of the patient’s symptoms includes: the location of the pain, a description of how the pain feels (such as searing pain vs. a dull or achy pain), and whether certain activities, positions, or treatments make the pain feel better or worse.
3. Review of medical history: A complete medical background is important to rule out (or identify) other possible conditions that may be causing the patient’s pain. The history includes information such as: any recurring health problems, previous diagnoses, past treatments and surgeries, reactions to prior treatments, current medications, family history of illness, and any other health concerns.
4. Diagnostic tests: After forming an opinion as to the cause of the patient’s pain, a physician may order a diagnostic test to confirm the disc problem and/or to gain additional information, such as the location of a herniated disc and impinged nerve roots. Diagnostic tests may include:

• CT Scan: Computerized tomography scans (CT Scans for short) work like X-rays in that an X-ray beam is shot through the body and a computer reformats the image into cross sections of the spine.
• MRI scan: Whereas an X-Ray focuses on bony structures, Magnetic Resonance Imaging (MRI) allows doctors a sensitive and accurate assessment of the surrounding spinal nerves and anatomy, indicating disc alignment, height, hydration, and configuration.
• If surgery for disc pain is under consideration, some physicians may recommend a discogram to try and confirm which disc is painful. In this test, radiographic dye is injected directly into the disc; if the injected dye recreates the normal pain, then it is believed that the patient is suffering from disc pain (degenerative disc disease). This test is controversial as to whether it is a valid, accurate test. Many doctors do not use discography except in rare situations.

How Do Insurance Companies Evaluate Disability Claims for Degenerative Disc Disease?

Disability insurance companies know that many people suffer from degenerative disc disease, a natural part of the aging process in which the vertebral discs shrink. For most people, the pain is intermittent and they are able to go on working (for the most part). However, this is one of the fundamental problems regarding impairments that involve pain: only the person experiencing the pain knows how bad the pain actually is, and the degree to which it impairs them. For this reason, disability claims handlers give little consideration to complaints of pain. That is why medical records are so important in cases involving degenerative disc spinal conditions.

Insurance companies typically only grant disability benefits to those whose disc disease has progressed into severely impacted vertebrae that cause severe and chronic pain and the inability to sit or stand for extended periods of time, and the underlying medical condition can be proven by medical imaging.

What Do Insurance Companies Look for in Degenerative Disc Disease Cases?

When a disability examiner opens a newly assigned disability application and sees either degenerative disc disease, back pain, cervical spinal stenosis, lumbar spinal stenosis, degenerative joint disease, or the acronym DJD (which stands for degenerative joint disease), the examiner typically looks for the following evidence in support of the claim:

• Physician treatment notes indicating one of these diagnoses; and
• Objective evidence of disc deterioration, such as x-ray reports, CT scans (some call them Cat Scans), and MRI studies.

A disability examiner is looking for clinical evidence of nerve root compression (such as positive findings on a straight leg raise test), arachnoiditis (with imaging showing thickening and swelling of nerve roots due to inflammation of the arachnoid, one of the membranes known as meninges that surround and protect the nerves of the central nervous system, including the brain and spinal cord), or stenosis (such as an MRI showing narrowing of the spinal column). In addition, the examiner will want to see that your DDD in the neck or back severely impacts your ability to function, such as by limiting:

• The range of motion in your spine;
• Your ability to walk effectively; and/or
• Your ability to sit, stand, kneel, walk, push/pull, squat, twist, turn, bend, stoop, lift and carry weight, and reach overhead.

The Significance of Medical Evidence in DDD Cases

Interpretations of imaging studies (where a doctor reads an x-ray film and gives an opinion as to its meaning) are extremely important in long term disability claims these objective medical findings (which include x-rays, CAT scans, and MRIs) are the only purely objective evidence in a disability case involving spinal problems of the neck and/or back. In other words, a physician can diagnose degenerative disc disease based on a patient’s symptoms and a physical examination. However, the imaging studies give objective medical support of a medical condition that is reasonably expected to produce pain. For this reason, disability claimants should submit radiology reports from x-rays, CT Scans and MRIs whenever possible.

Disability examiners will also review the claimant’s medical treatment notes in great detail. The examiner will be especially interested in whether the claimant has decreased range of motion, reduced muscular strength (doctors use a five point scale; for example, 5/5 right leg strength indicates full right leg strength while 1/5 indicates severely diminished right leg strength), poor gait, and/or positive straight leg raises.

Obviously, medical records from treatment with a physician, particularly an orthopedist, are important in a disability claim. Getting regular medical treatment from a medical doctor (M.D.) or osteopath (D.O.) can help ensure that you have sufficient medical records to substantiate your long term disability claim for a degenerative back condition.

To be approved benefits for a long term disability claim for degenerative disc disease, you will need a great deal of medical evidence to corroborate your allegations.

Legal Assistance for Your DDD Claim

If your degenerative disc disease is so severe that you are no longer able to work for a living, you may very well be entitled to receive long term disability benefits. Because of the complexities involved with proving that you are disabled by this disease, it would be in your best interest to consult with an experienced long term disability attorney. If your claim is not handled correctly, your appeal may never be approved while your bills continue to pile up.

An experienced long term disability lawyer knows how to obtain all of the proper documents and medical opinions to satisfy your burden of proof. Mr. Ortiz is an experienced LTD Attorney. He and his firm will work with you and with your medical team to maximize your benefits from the insurance company. Call (866) 853-7756 for a free case evaluation if your claim has been delayed, denied, or terminated.