When you think of a fractured bone, you usually do not consider that you may need long term disability. That is because most bones are set back correctly and heal within six months. But what about bones that do not heal? What about large bones that can take up to a year or more to heal? In these cases, long term disability benefits can be used to help support you financially until you are able to go back to work.
The femur, tibia, fibula, and pelvic bone are essential to daily movement and normal activities. If you break one or more of them, it can make walking, bending, and climbing stairs very difficult for you. You may even need assistance in the form of a walker, a wheelchair, or a cane. If your break is not set correctly, you can end up using these assistive devices long-term.
Fractured bones are almost always accompanied by pain. If they do not properly heal, the pain can last a lifetime. Medications needed to manage pain are frequently narcotics that help with pain but create barriers as well. Working a job under the influence of certain types of pain killers is considered dangerous in many professions.
Swelling is another common issue when a fracture is not healed correctly. Elevation is recommended to decrease swelling, which can also create a barrier to you working.
Example: A tree company employee has a fractured tibia. His usual job is to trim tree limbs around power lines in a bucket all day. How can he elevate his tibia while cutting limbs in a bucket off the ground? He can’t and should apply for disability benefits.
Applying for Long Term Disability While You Recover And Proving Your Claim For Long Term Disability
The first thing to do when applying for long term disability is to read your policy thoroughly. If you have a group policy through your employer, you can request a copy from your human resources department.
After you read your policy, you can decide if you think you have a case for LTD benefits. When you start gathering information for your claim, be sure to include all the necessary information that will “stack” your administrative file. Your administrative file is everything in your case. It includes all the correspondence between you and your insurance company, all your medical information, notes from your doctors, and even surveillance footage. Check out our What Not to Say When Filling Out Long Term Disability Papers. Creating a strong case for a long term disability claim will help you. If you are experiencing pain and swelling even though your doctor says you should be healed, you should apply for long term disability benefits. Your lack of mobility and your medical imaging results (x-rays, CT scans, and MRI’s) should be the supporting documentation that you need.
You will also want to provide them with the following information:
- Why you can not perform your job duties (this will require medical documentation).
- A list of all medical providers that you have seen for this condition and a letter from each provider stating that your condition prevents you from working.
Not Sure Where to Start?
An experienced disability attorney can help you gather the necessary medical information needed for your claim. They can help you track your deadlines (which are very strict), gather evidence such as medical statements/opinions from your doctors, represent you during a field interview (link to field interview post) and communicate with the insurance company for you.
Many questions need answers when you are dealing with disability benefits and insurance companies. If you are not getting the answers you need, give us a call at (888) 321-8131.
Although based in Florida, the Ortiz Disability Law Firm represents claimants across the United States. If you’d like to speak to one of our Pensacola Long-Term Disability Insurance Attorneys contact us at (888) 321-8131 to schedule a consultation. We can help you evaluate your claim to determine if you whether you qualify for Long-Term Disability Insurance Benefits and how to navigate the appeal process.