PAD And LTD Insurance Claims

What is Peripheral Arterial Disease (P.A.D.)?

Peripheral artery disease is a disease in which plaque builds up in the arteries. Plaque consists of cholesterol, fat, calcium deposits and other substances in the blood. Over a period of time plaque will start to build up and harden. This causes blood flow to become restricted to your head, limbs, and major organs causing a reduction in oxygen.

Symptoms of Peripheral Arterial Disease

Peripheral Arterial Disease usually affects the legs first. It can cause weakness or numbness in the legs and sores that will not heal making it hard to continue to work. Pain can increase during periods of stress on the muscles because of the restriction of blood flow.

Symptoms can include but are not limited to:

  • Painful cramping in one or both of your hips, thighs, legs, or calf muscles after certain activities.
  • Leg numbness or weakness
  • Sores that will not heal properly
  • A change in color due to possible loss of blood flow
  • Weak pulse in legs or feet

Pain from the peripheral arterial disease can range from mild to excruciating. Rest and elevation of the legs can help alleviate pain.


Treatment plans for Peripheral Arterial Disease can range from changes in lifestyle choices to major surgery. Treatment can be slow but can help the progression of the disease. If left untreated, you drastically increase your risk of heart attack, stroke, and amputation.

P.A.D and Long Term Disability

Peripheral Arterial Disease is considered a major and debilitating disease. Amputation, heart attack or a stroke are major risk factors with this disease. It may become difficult to continue to work if you are experiencing these symptoms.

The insurance company will base its decision on the information provided by your medical provider. A positive diagnosis and records that document immobility will need to be provided by your doctor. Your doctor will also need to provide a treatment plan for you. The LTD adjuster will take into account how Peripheral Arterial Disease affects your everyday life. You will still need to show how Peripheral Arterial Disease affects your ability to work. Your doctor will need to provide a list of restrictions that cause you not to be able to perform your duties at work.

Some examples of these are: Needing to stand and move about often to prevent blood clots in your legs and frequent leg elevation caused by chronic pain that causes an interruption in your work duties and responsibilities.

If your doctor has removed you from the workplace until you finish your treatment plan, you will may qualify to apply for Long Term Disability Benefits. The insurance company will review your records and decide if you qualify for long term disability benefits based on their selection criteria.

The following information can help you prepare for your claim:

Definition of Disability

Under most LTD policies, an individual is considered disabled if he or she is: (a) unable to perform the material duties of his or her own occupation for the first two years of the policy; and (b) unable to perform the duties of just about any occupation after the first two years of the policy. The definition of disability is specific to each individual policy, so you must review your own LTD policy to determine how the term “disability” or “totally disabled” is defined for you.

Proof of Peripheral Arterial Disease

Evidence of symptoms alone will not be sufficient for a successful long term disability claim. You will need to provide medical documentation to support your claims. This will include medical reports from your doctors, hospitals, and laboratories that have treated you for Peripheral Arterial Disease. If you provide the insurance company with a list of all the locations that treated you for Peripheral Arterial Disease, they should be able to obtain your records directly. In the event that they cannot, it will be up to you to obtain them.

It is important to remember to get any mental health records you may have regarding treatment for Peripheral Arterial Disease. This serious and chronic disease can cause you to need to seek counseling for depression and anxiety about living with Peripheral Arterial Disease. Provide the insurance company with your therapy notes.

If the insurance company decides that there is not enough evidence to process your claim, they may ask you to be evaluated by a doctor that works for them to ensure they have all the documentation they need to reach a decision.

Work with a Florida Long-Term Disability Insurance Attorney to Ensure You Get the Benefits You Deserve

Your best chance of having a long-term disability case approved because of Peripheral Arterial Disease comes by working with an experienced Disability lawyer.

Your Florida Long-Term Disability attorney will be familiar with how insurance providers handle RA claims and will help you prepare your application and collect essential evidence. It’s important to note that your Long-Term Disability attorney does not get paid until you do, so you can proceed with your case without fear of upfront legal bills or costs.

Although based in Florida, the Ortiz Law Firm represents claimants across the United States.

If your LTD claim has been wrongfully denied or terminated and you’d like to speak to one of our Pensacola Long-Term Disability Insurance Attorneys about your Peripheral Arterial Disease and how it may be impacting your ability to work, contact us at (888) 321-8131 to schedule a consultation. We can help you evaluate your claim to determine if you will be able to access Long-Term Disability Benefits and how to move forward with the process.