If you are filing a claim or have been denied disability benefits, get Bartolic Law on your side. Our experienced Chicago long-term disability lawyers are highly knowledgeable in all aspects of disability insurance and can help you get the benefits to which you are entitled. We have helped numerous clients get disability benefits paid due to various cardiac conditions, including Cardiovascular Disease.
Cardiovascular Disease is often not the only diagnosis, and disability claims involving Cardiovascular Disease require a close examination of how the various conditions interact to produce disabling symptoms. In various cases we have handled, the client had suffered prior cardiac events and was advised to stop working to prevent a future life-threatening cardiac event. Long-term disability insurers often overlook this key component, focusing instead on what you can do, instead of what you should do.
Cardiovascular disease (CVD) generally refers to medical conditions affecting the heart or blood vessels. This condition usually results from fat deposits in arteries, and people with obesity, hypertension, smoking behaviors, heart disease, stroke, and unhealthy diets are at high risk. Heavy drinkers are also at increased risk of developing this illness. The symptoms can differ, depending on the particular conditions that caused the cardiovascular disease. For instance, patients with type 2 diabetes or hypertension may be asymptomatic. However, the leading clinical signs are chest pain or pressure, arm, back, elbow, and jaw pain or discomfort, shortness of breath, nausea, dizziness, lethargy and cold sweats.
This condition is treatable, but therapy depends on the particular kind of CVD affecting a patient. Various treatment types are available, including medications for reducing low-density lipoprotein cholesterol, improving blood flow, or regulating pulse, different surgical procedures, lifestyle counseling and prescribed exercise. However, this medical condition can become complicated. For instance, it might cause a stroke, which hinders sufficient blood flow to the brain. This condition is a medical emergency and can cause long-term paralysis. Sudden cardiac arrest is another possible complication this disease can cause, and patients might have a long recovery period.
Ferrin v. Aetna Life Ins. Co., 336 F. Supp. 3d 910 (N.D. Ill. Sept. 28, 2018) (holding insurance policy’s grant of discretionary authority is void under Texas law due to certificate being issued after effective date of regulation, and policy renewing after effective date, and holding Plaintiff was disabled from Any Reasonable Occupation where treating doctors certify she can sit at the occasional level, and insurer’s consultants opine Plaintiff can sit frequently, as weighing all evidence together would make capacity likely at low end of frequent range at best).
Sadowski v. Tuckpointers Local 52 Health & Welfare Trust, 281 F. Supp. 3d 710 (N.D. Ill. Dec. 20, 2017) (holding plan was arbitrary and capricious in denying medical benefits for removal of spinal cord stimulator following a fall down the stairs and infection where plan argued the expenses were caused by the same injury as the car accident necessitating implantation of the stimulator years earlier)
Tassone v. United of Omaha Life Ins. Co., 264 F. Supp. 3d 867 (N.D. Ill. Aug. 30, 2017) (awarding client long term disability benefits denied by United of Omaha despite insurer’s doctor opining there was no objective evidence of functional impairment)
Suson v. PNC Fin. Servs. Grp., Inc., No. 15-CV-10817, 2017 WL 3234809 (N.D. Ill. July 31, 2017) (holding Liberty Mutual’s denial of client’s long term disability benefits was arbitrary and capricious where Liberty Mutual disregarded client’s carpal tunnel syndrome and relied on a vocational opinion to which client never had an opportunity to address before litigation)