Hi, I’m Nick Ortiz, I’m a board-certified disability insurance attorney.
Today I’m here to talk to you about cardiac impairments or heart problems in long-term disability claims.
You’re probably here today because you have a heart problem that is keeping you from working and you may be applying for a long-term disability insurance benefits. Let me give you some examples of some of the types of heart conditions that people who apply for LTD benefits may have.
These may include chronic or congestive heart failure, ischemic coronary heart disease, recurrent arrhythmias or an abnormal heart rhythm causing syncope, congenital heart disease, an aneurysm of an aorta of a major heart branch, chronic venous insufficiency, peripheral arterial disease or PAD and heart transplants. Any one of these condition or all of these conditions can cause extreme symptoms that may limit your ability to perform activities of daily living and/or work activities.
For example, some of the symptoms may include chest pain, weakness, arrhythmia, exertional dyspnea, syncope, anginal pain which is chest pain, chronic fatigue, nausea and dizziness. You may be experiencing even more symptoms. The question is, how do these symptoms impair your ability to do work activity which would qualify you for long-term disability benefits? What an insurance company is looking for is objective findings of what your limitations are as a result of your heart condition.
In trying to identify the extent of your impairment, the insurance company may be looking for evidence such as stress tests which are also known as exercise tests, EKGs, cardiac imaging and other studies to show the extent of your cardiac problem. The more objective testing results that you have, the more likely it is that the insurance company will pay you benefits under your long-term disability insurance or plan.
Another helpful piece of evidence would be a statement form your doctor where a form filled out, where the doctor identifies what your functional impairments are as a result of your medical condition. The more of this type of evidence that you have, the more likely it is that an insurance company will approve your case. But if the insurance company is denying you benefits even though you provide them with good documentation, and perhaps you should contact an experienced LTD attorney to help you in your claim.
That’s where the Ortiz Law Firm can help you, and we encourage you to give us a call at 850-898-9904 where we can give you a free consultation if you’ve been denied benefits to see what we could do to assist you. I’m also making available today a free copy of a book that I wrote called the Top 10 Mistakes That Will Destroy Your Long-Term Disability Claim. If you like a free downloadable copy of that book, then I encourage you to go to www.freeeltdbook.com and download a copy today.
Thanks for listening, we’re looking forward to hearing from you.