What is osteoporosis? It’s a bone disease that occurs when your body loses too much bone tissue or does not make adequate bone tissue to begin with. Consequently, osteoporosis weakens your bones, making them easy to fracture from falls or even minor bumps. The disease makes your bones “porous,” hence its name osteoporosis. An excess estrogen reduction in the body causes this disease because estrogen builds and maintains your bone tissue. Most women become vulnerable to this condition during menopause because of the associated reduction of this vital hormone. Other factors like side effects from medical treatment, certain diseases, lifestyle decisions, race, and age also expose people to this bone disorder.
A patient manifests varied clinical signs, the leading ones being back pain due to broken or collapsed vertebra, gradual weight loss, a stooping posture, and brittle and weak bones. Treatment plans for osteoporosis seek to achieve the following results: slowing or preventing the disease’s progression, maintaining healthy bone mineral density and mass, preventing bone breakage, reducing pain and maximizing a patient’s ability to live a normal daily life. However, the disease can still cause severe complications that mainly affect the hips and spine. Falls usually cause hip fractures, causing possible disabilities. Sometimes, these fractures even occur without a fall. Consequently, a patient may suffer drastically reduced mobility that breeds pain and depression.
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)
You might be concerned about finances if your osteoporosis causes disabilities and prevents you from working. You should not wait to speak with a disability insurance benefits lawyer from Bartolic Law. Please contact our office so that we can evaluate your case and help you.