Kentucky ERISA Disability & Life Insurance Claim Lawyers

If you have ever had a chronic headache, migraines or other form of primary headache, you know that they can be completely debilitating. Imagine getting migraines multiple times each month, lasting for several days at a time. This could make it impossible for you to work or do anything else for that matter. If this is your situation, filing a long-term disability insurance claim may be an option for you.

Here is some information that may be helpful if you are considering filing a long-term disability insurance claim due to migraines.

What are Migraines?

Disability claims for hearing loss are routinely denied by long-term disability insurance companies. Hearing problems brought on by accident or disease can life changing. People suffering from incessant or recurring dizziness and balance problems, or the limitations of hearing loss, ringing in the ear and other chronic symptoms, have real problems functioning at work.

If your long-term disability claim for hearing loss has been denied, call us. We take on big insurance companies every day. We will fight for you to make the insurance pay the benefits you need and deserve.

Causes of Hearing Loss

Obtaining long-term disability insurance benefits for fibromyalgia can be an arduous task. Here at Mehr Fairbanks Trial Lawyers, we will walk you through the process of proving your case to reverse your denied claim. The simplest definition of fibromyalgia is that it is a condition that causes people to feel ongoing pain and tenderness throughout their body, and doctors are unable to connect this pain to other medical issues. Of course, if you’re going to qualify for long term fibromyalgia disability benefits, there are a number of more specific criteria that need to be met.

• The chronic, widespread pain you are feeling must be ongoing for at least three months at the same general level of discomfort.
• The pain has to have occurred within the past week.
• You have to feel it in four bodily quadrants.
• Tenderness must be felt in at least 11 of the 18 anatomical “tender points” that have been medically defined.
• You need to be experiencing fatigue.
• You have to wake up feeling unrefreshed.
• You need to have problems remembering things or putting together coherent thoughts.
• Other physical symptoms must exist.
• Your doctor has not been able to identify any specific causes or abnormalities that would explain these symptoms, and therefore cannot provide objective testing or treatment.

Fibromyalgia as a Medically Determinable Severe Impairment

You must have a medically determinable impairment that is severe. A medically determinable severe impairment must be established through medically acceptable clinical and laboratory diagnostic techniques. Generally, to establish fibromyalgia as a medically determinable severe impairment, you must show:

Numerous conditions cause eye disease and impaired vision. Loss of eyesight can present a tremendous obstacle to earning a living. If your claim for disability benefits for an eye impairment was denied, do not hesitate to contact Mehr Fairbanks Trial Lawyers. We help disabled workers fight back and win denied long term disability benefits for blindness, various levels of visual impairment, eye diseases and other chronic eye problems.

If you were unjustly denied disability benefits, do not give up. What seems like an uphill battle can be fought and won, with an experienced and focused legal team at your side.

Over 50 named eye conditions exist. Serious problems can happen suddenly or gradually. Some eye impairments that lead to disability claims are more common than you might expect, including:

Epilepsy affects over 3 million Americans. Despite all available therapies, many people live with persistent epileptic seizures, and deal with complications from the side effects of treatment. At Mehr Fairbanks Trial Lawyers, we are dedicated to obtaining epilepsy disability benefits for clients across the U.S. who have this particular condition and other medical conditions that cause serious seizure disability.

We understand that proving epilepsy to be a disabling condition can be highly problematic. We act with great determination to do all that is required in order for our clients to win epilepsy disability benefits under long term disability insurance policies.

About Epilepsy

Millions of Americans are affected by diabetes mellitus. Disability claims filed by those who live with the disease are often denied benefits, even though the claimants are truly no longer able to work. Our lawyers have helped hundreds of people across the country with diabetes to overturn claim denials and secure these indispensable benefits. If your claim was denied unfairly, call Mehr Fairbanks Trial Lawyers for qualified assistance.

About Diabetes Disability (Diabetes Mellitus)

For a person with diabetes, their body cannot regulate the blood glucose (sugar) in their body. Insulin is the main hormone used by the body to regulate sugar. A diabetic’s body does not make enough insulin or cannot process the insulin produced by the pancreas.

As with physical injuries, not everyone with depression qualifies for disability benefits. Yet, severe depression can significantly interfere with a person’s daily activities and ability to work. In fact, depression is among the leading causes of disability worldwide. If your claim for depression disability benefits has been denied, there is hope.

People with depression may realize they are in trouble, but many times they do not seek treatment. Without a detailed medical history of your depression, it is difficult to prove you are disabled and incapable of working. Still, the law is there to protect you if you suffer from depression. With proper action, denied disability claims for valid depressive disorders can be overturned and won for Social Security, Veterans Benefits, and long term disability (LTD) insurance claims.

We are attorney advocates for the disabled. With years of experience securing disability benefits for our clients, we offer you a free consultation with a lawyer to discuss your case.

Have you been denied for Chronic Obstructive Pulmonary Disease? For patients struggling with COPD disability, it can be difficult to prove that your illness actually prevents you from working and supporting yourself and your family. Our attorneys can pursue your disability benefits for COPD – Chronic Obstructive Pulmonary Disease – when your initial claim was denied for long term disability insurance claims.

Is Chronic Obstructive Pulmonary Disease (COPD) a Disability?

Yes, in fact it is one of the leading causes of missed work. All too often, sufferers of COPD are denied disability benefits because they did not have proper documentation of their condition.

Those affected by dementia, dementia disability, or dementia-related illnesses such as Alzheimer’s disease devastate not only the person afflicted with the illness but also their families. When a long-term disability Alzheimer’s or dementia disability claim is denied, a family may also be destroyed financially. If you are in this situation, don’t wait, contact us today. We take on insurance companies and fight for the benefits that you need and deserve.

Dementia, no matter the form, impairs a person’s ability to function, work, or even provide for their basic hygiene. People with dementia suffer a long slow decline into complete cognitive impairment. They are robbed of their ability to remember their families, to take their medications, where the restroom is, how to open a can of soup, how to safely cook, etc. All forms of dementia are recognized as a disability. Many long-term disability insurance policies cover dementia; however, not all long-term disability insurance companies willingly pay benefits disability sufferers are entitled to.

What Causes Dementia?

If you suffer from degenerative disc disease disability and can no longer work, chances are you have filed for disability benefits through a long-term disability insurance policy. In most cases, it is likely your initial claim was denied. The reality is, insurance companies often do not play fairly. Government disability programs, no matter how well-intended, miss the mark in approving thousands of legitimate disability claims for degenerative disc disease.

Degenerative disc disease (DDD) is a common condition of aging. The spinal discs are soft, supple discs that act as the spine’s shock absorbers, enabling us to bend and twist. In aging adults, discs slowly dry out, become thinner, and lose strength and elasticity. Cracks in the outer layers of the discs may also occur. Heavy lifting and vigorous physical work can contribute to this process. The onset of disc degeneration may also be caused by sudden injury.

Disc degeneration can play a role in an assortment of spinal disorders including osteoarthritis, herniated disc, bulging disc and spinal stenosis. In severe cases with constant pain, surgery may be needed to repair the discs.