Mechanical engineers play a critical role in the design, development, and maintenance of mechanical systems. They work in a wide range of industries, including automotive, aerospace, manufacturing, and energy. Because of the technical and often physically demanding nature of their work, mechanical engineers can face unique challenges if they become disabled and need to apply for long-term disability (LTD) benefits.
Duties and Responsibilities of Mechanical Engineers
Mechanical engineers and machine operators work closely together to ensure that machines are designed, operated, and maintained effectively. Engineers provide technical expertise and innovative solutions, while operators bring practical experience and operational insight, creating a dynamic and productive relationship that is essential to successful manufacturing operations. Some of the primary responsibilities of a mechanical engineer include:
- Design and Development: Create mechanical systems and components using computer-aided design (CAD) software.
- Analysis and Testing: Perform simulations and tests to ensure that designs meet required specifications and standards.
- Problem Solving: Identify and resolve problems that arise during the design and manufacturing process.
- Project Management: Oversee projects from inception through to completion, including budgeting, scheduling, and coordination with other professionals.
- Maintenance and Upgrades: Ensure that existing mechanical systems are maintained and upgraded as necessary to improve efficiency and safety.
- Compliance: Ensure that all mechanical systems and processes comply with industry standards and regulations.
Why It’s Difficult for a Mechanical Engineer to Get LTD Benefits
Mechanical engineers, like other highly skilled professionals, often face difficulties when applying for LTD benefits. Here are some reasons why:
- High Compensation: Because mechanical engineers are typically well compensated, insurance companies may be reluctant to approve claims due to the higher cost of paying out benefits.
- Complex Job Duties: The broad and varied nature of a mechanical engineer’s job can make it difficult to clearly define how a disability affects their ability to work. This complexity can be used by insurers to deny a claim.
- Physical and Mental Demands: Mechanical engineering involves both cognitive functions and physical tasks. Disabilities affecting either aspect can have a significant impact on job performance, but proving this to an insurance company can be challenging.
- Subjective Symptoms: Conditions such as chronic pain or cognitive impairment that are difficult to measure objectively can be particularly problematic when filing a claim.
Tips for a Successful Disability Insurance Claim
- Gather Strong Medical Evidence: Comprehensive and detailed medical documentation is essential. Make sure your doctors thoroughly document your condition, treatment, and limitations. Diagnostic tests, treatment notes, and letters from specialists can strengthen your claim.
- Document Job Duties: Clearly outline your job duties and how your disability affects your ability to perform them. A detailed job description from your employer can be especially helpful.
- Be Mindful of Surveillance: Insurance companies often conduct surveillance to ensure that claimants are not exaggerating their disabilities. Avoid activities that could be misinterpreted as inconsistent with your claimed limitations.
- Limit Social Media Activity: Social media posts and photos on social media can be used by insurers to dispute your claim. It’s best to avoid posting about your activities or health during the claims process.
- Consider Cognitive Impairments: If your disability includes cognitive impairment, such as memory loss or difficulty concentrating, make sure it is well documented. Neuropsychological evaluations can provide objective evidence of these issues.
How a Long-Term Disability Attorney Can Help
Navigating the LTD claims process can be daunting, especially when faced with a denial. An experienced disability attorney can provide invaluable assistance in the following ways:
- Evidence Gathering: Helping you gather and present the necessary medical and vocational evidence to support your claim.
- Claims Management: Guiding you through the claims process, from initial filing through appeals, if necessary.
- Legal Representation: Representing you in disputes with the insurance company, including handling correspondence and negotiations.
- Expert Testimony: Securing expert reports and testimony to strengthen your case.
At the Ortiz Law Firm, we understand the unique challenges faced by mechanical engineers seeking LTD benefits. If your claim has been wrongfully denied or you need help navigating the application process, contact us for a free consultation. We can help you understand your rights and work to secure the benefits you deserve. Call us at (888) 321-8131 to speak with an experienced long-term disability at