Neuromyelitis Optica and Long-Term Disability Claims

Neuromyelitis Optica (NMO), also known as Devic’s disease or neuromyelitis optica spectrum disorder (NMOSD), is a rare autoimmune disease that primarily affects the spinal cord and optic nerves. Often confused with multiple sclerosis, NMO can cause sudden and severe neurological symptoms, including vision loss and paralysis.

For people living with NMO, the unpredictable nature and intensity of flare-ups can make it extremely difficult to maintain steady employment. If your long-term disability (LTD) insurance claim has been denied or terminated, you have the right to appeal and fight for the benefits you deserve. A long-term disability attorney at the Ortiz Law Firm can help.

Understanding Neuromyelitis Optica

NMO is characterized by inflammation of the optic nerves (optic neuritis) and spinal cord (transverse myelitis). The immune system mistakenly attacks healthy cells in the central nervous system, leading to recurring episodes that can cause permanent damage. Although some people experience long periods of remission, others suffer from frequent relapses that worsen their overall condition. Over time, this can lead to complete blindness or paralysis.

Symptoms and Their Impact on Work

The symptoms of NMO can vary greatly from person to person and between attacks. Common symptoms include:

• Loss of vision or eye pain
• Muscle weakness or stiffness in the limbs
• Bladder and bowel dysfunction
• Numbness, tingling, or burning sensations
• Difficulty walking or balancing
• Fatigue

For those with physically demanding roles or jobs that require precision, concentration, or mobility, these symptoms may make full-time work unrealistic.

Functional Limitations Caused by NMO

Because NMO affects both the brain and spinal cord, it often results in multiple limitations. Individuals may struggle with mobility, balance, coordination, and vision. Some may require assistive devices such as canes or wheelchairs, while others may need accommodations to manage fatigue.

In addition, the fear of an unpredictable relapse can cause anxiety and stress. Emotional and cognitive burdens can exacerbate physical limitations and further impact a person’s ability to maintain regular employment.

Why NMO Claims Are Often Denied

Long-term disability claims for NMO are often denied by insurance companies. Common reasons for long-term disability denials include:

• Lack of objective evidence during periods of remission
• The episodic nature of the disease
• Underestimating fatigue, pain, and cognitive dysfunction

Insurers may argue that you can work during symptom-free periods or that your treatment has been effective, ignoring the long-term toll the disease takes on your functional capacity.

Strengthening Your LTD Claim with Medical Evidence

Successful disability claims for NMO require detailed and ongoing medical documentation. Strong evidence includes:

• MRI scans and other imaging studies showing spinal cord or optic nerve damage
• Neurologist reports detailing the severity and frequency of attacks
• Functional assessments evaluating your daily limitations
• Vision exams and blood tests
• Mobility assessments
• Statements from treating physicians linking symptoms to work restrictions

It is also helpful to keep a personal health diary documenting flare-ups, fatigue, and other symptoms, and to collect statements from family and friends or even co-workers and supervisors who have observed your struggles at work.

How the Ortiz Law Firm Can Help

Navigating a long-term disability claim with a rare and serious condition like NMO can be overwhelming. The Ortiz Law Firm is dedicated to helping individuals across the country with denied or terminated LTD claims. We know how to present a compelling case backed by solid medical evidence and expert testimony, to get your claim approved.

If your claim has been denied, we can help you appeal or file a lawsuit under ERISA, no matter where you live. We’ll work with your doctors, gather critical documentation, and fight to make sure your condition is fully understood by the insurance company.

Don’t let a denial be the last word. If you’re living with neuromyelitis optica and are unable to work, contact us to learn how we can help you move forward. Call (888) 321-8131 to schedule a free case evaluation today.