Kentucky ERISA Disability & Life Insurance Claim Lawyers

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.

Cystic fibrosis – CF disease – is a life-threatening, genetic disorder. The disease attacks the respiratory system, causing bodily secretions such as sweat, digestive juices, mucus, and saliva, to become thick and sticky – mainly in the lungs and pancreas. As a result, these organs become inflamed, clogged and blocked, causing a multitude of problems throughout the body. The airways to the lungs become obstructed, causing extreme breathing difficulties, and obstruction of the pancreas leads to digestive disorders.

Cystic fibrosis shortens the life span of those affected. Half a century ago, the life expectancy of anyone afflicted with CF disease was short, with most children not living long enough to attend school. With medical advancements in treatments and diagnosis, today, many individuals with CF live to adulthood, with a better quality of life that encompasses marriage and careers.

Cystic fibrosis is a disease that is widely recognized as a disabling condition. When adults with CF who work to provide for themselves and their families become unemployable due to their condition, disability benefits to which they are entitled are essential to their welfare and the welfare of their families. We will ensure your cystic fibrosis disability claims have been thoroughly analyzed, so we can fight for your claim to this disease.

Denied cancer disability benefits can come to a shock for thousands of claimants who should be receiving benefits otherwise.

Long-term disability insurance is offered by employers as benefit packages to employees or sold by insurance companies to individuals. And, although insurance providers say that they will pay long-term disability benefits if you are unable to work, many will deny valid claims, minimize payments, or find ways to delay payments – hoping you will give up and abandon the claim.

Reasons in support of long-term cancer disability claims often include cancer treatment. Medications and invasive chemotherapy and radiation treatments can leave patients seriously fatigued and sick, as well as affect their cognitive functioning such as memory, focus, and ability to absorb and analyze information. Insurance companies will challenge this, saying that the patient is exaggerating or not giving their maximum effort.

Bipolar disorder is a disabling condition that prevents millions of people from being able to handle everyday activities, including their ability to earn a living. The unfortunate reality is that bipolar disability claims for mental impairments such as bipolar disorder are frequently rejected.

Even the most medically supported and valid claims for bipolar-related disabilities may be denied initially. This is more reason why claimants should to seek the help of a skilled and experienced disability lawyer.

About Bipolar Disability

Some form of back disability affects most people at one time or another, inhibiting their ability to work. The bulk of back injuries are short term, and workers can resume their employment. Yet for some, a disabling back injury can turn into a lifetime of pain that tears at the quality of life. Being denied back disability benefits can be frustrating, but an experienced attorney can help you turn that around.

Insurance companies routinely challenge back disability claims. If this has been your experience, it may be time to seek legal help to prove you are indeed disabled. Don’t risk losing your disability benefits on a technicality, or at the hands of a shrewd insurance company or an imperfect government program.

The attorneys at Mehr Fairbanks Trial Lawyers fully understand the reasons, excuses or tactics that insurance companies and government disability programs use to deny claims. We want you to know that you can call on us for answers. To fight back disability claims denied by insurance companies, your lawyer must know exactly what information to provide to meet the insurance company’s threshold for proof of back injury disability.

People dealing with ataxia disability often face overwhelming life challenges. Ataxia is a neurological condition that impairs balance and physical movements. Victims can experience an increasing failure of muscle coordination and erratic muscular action, and much more. Being denied of ataxia disability benefits can be challenging and Mehr Fairbanks Trial Lawyers are here to help you.

Simple movements vital to the activities of daily living and the ability to hold down a job – such as grasping objects, fine motor skills, walking, reaching, gesturing, bending, and speaking – become difficult or impossible. Yet ataxia, and the serious disabilities it causes, is little understood by those who do not suffer from it. Moreover, it is common practice for insurance companies to deny claims, no matter how valid the disability is.

In the case of ataxia disability claims, LTD insurers routinely consider the condition to be subjective, and this supports their denial based on the grounds that sufficient objective medical evidence does not exist. Therefore, you cannot prove that ataxia obstructs your ability to work.

Individuals suffering from anxiety disability face each day as a challenge. Because anxiety is difficult to measure medically and objectively, victims of anxiety disorders are often denied when they attempt to claim disability benefits. Many of the people we help suffer from anxiety disorders are fighting desperately to make sense of their lives.

Different kinds of anxiety disorders exist: Generalized anxiety disorder (GAD), panic attacks, post-traumatic stress disorder (PTSD), and phobias.

Anxiety may be a person’s main disturbance. Anxiety may also be the result of a person trying to overcome symptoms. For example, when someone with a phobic disorder tries to confront their terrible, yet irrational, fear of a situation or object – severe anxiety results.

Are you applying for long term disability insurance benefits for Chronic Fatigue Syndrome? Here’s important Information to help you understand and prove chronic fatigue syndrome to the insurance company.

Chronic fatigue syndrome, or CFS, is one of five conditions that are commonly labeled as “subjective disorders.” What does this mean? It means that they can’t be proven through objective medical testing.

Because of this, long term disability insurance providers typically fight hard to deny these types of claims. If you want to get the benefits that you deserve, you need to understand how the condition works, what kinds of information and documentation is necessary for a diagnosis, and how to convince your long-term disability insurance provider that you truly are dealing with an issue that prevents you from working.

Chronic Pain Syndrome Disability claims can have various proof issues. This is true for private long-term disability (LTD) insurance or group insurance plans. Disability examiners need objective evidence of how your condition keeps you from being able to work.

With a strong helping hand, you can get the benefits you deserve. Ask a disability lawyer at our firm about your chronic pain disability claim.

Coping With Chronic Pain Syndrome

If Crohn’s disease disability is preventing you from working, your claim for long term disability benefits may have already been met with denial and opposition. This condition can be extremely disabling. Generally, the disease inflames your gastrointestinal tract’s lining, causing paralyzing pain, discomfort and hardship. You may have already had one or more surgeries in which segments of intestine were removed in efforts to alleviate the symptoms. Crohn’s can deteriorate further by spreading to the diseased bowel tissue’s deeper layers. Life-threatening complications can ensue.

Why Insurance Companies Deny Crohn’s Disease Disability Claims

It is common for LTD insurance claim reviewers to lack understanding of Crohn’s disease. Although a visible and genuinely disabling condition, Crohn’s disease is typically dismissed by insurance providers as merely a discomfort and inconvenience.