Heart attacks affect over 1 million people in the United States every year. Of those who survive a heart attack, many are able to get back to work and live a normal lifestyle. For many others, life after a heart attack means living with permanent disabilities that seriously limit physical activities and mental performance. Denied heart attack disability claims can be a trying time. We are here to help you through the process of having your claim overturned.
Victims of heart attacks can be eligible for long-term disability insurance coverage. For those living with heart attack disability, there is no time for legitimate benefits to be withheld.
If you have been wrongly denied disability payments, get in touch with our firm. We will fight to get your benefits secured. Insurance companies have their regimented ways of determining whether you qualify. Many times, they get it wrong. When they do, we can help.
Facts about Heart Attack Disability
The medical name for a heart attack is myocardial infarction, or MI.
myo – muscle
cardial – heart
infarction – death of tissue from lack of oxygen-rich blood
Most heart attacks are caused by coronary artery disease (CAD), which is the hardening or restricting of the coronary arteries. CAD is responsible for other forms of heart disease including congestive heart failure.
A heart attack happens when the flow of blood to the heart is totally blocked. This reduced blood supply to the heart is also known as ischemia, or ischemic heart disease.
When the heart muscle is deprived of blood and oxygen, the heart tissue dies. Scar tissue replaces the healthy tissue–yet the scar tissue is unable to contract. For those who survive a heart attack, the heart’s ability to pump is reduced. The result is heart damage that is permanent and often severe.
Those that suffer from heart attack disability also carry a high risk for subsequent heart attacks, kidney disease or other cardiovascular disorder.
Denial of Long Term Disability Insurance after a Heart Attack
When your doctor confirms you suffered a heart attack and says you should not return to work, you assume your disability plan will kick in. Yet many times, the insurance company will do what they can to avoid paying, or pay short-term disability only to discontinue it.
Your heart attack was not disabling – you are able to return to work.
This type of decision is voiced by many insurance companies when faced with awarding a disability claim for heart attack. The reality is your condition does prevent you from resuming full time work. Fatigue, discomfort, angina pectoris (chest pain), depression, medication side effects, further stress from trying to return to work, recurring hospital stays, and many other complications of heart disease are all factors that insurance companies tend to disregard when considering a claim for a heart attack.
Disability insurance companies know it can be an overwhelming feat for you to prove these limitations caused by your heart condition. Many take full advantage that fact, hoping that you will give up.
Fighting big insurance is hard to do on your own. Hiring a reputable disability insurance lawyer with the resources and knowledge of the law to fight back on your behalf can make all the difference. If you need help getting long-term disability insurance benefits from your insurance provider or your employer’s insurance plan, do not give up – get in touch with us now.
Contact Us Today
We are prepared for these and other tactics disability insurance providers use to avoid paying claims.
As your attorneys at Mehr, Fairbanks & Peterson, we go the extra mile to prepare an original LTD insurance claim that is set up for success. We will appeal a denied disability claim with the legal arguments needed to counter every wrong allegation submitted by the insurance company. Please give us a call toll free today at 866-921-8719