If this condition prevents you from working, long-term disability (LTD) benefits available through your employer can help make up for lost income. But unfortunately, valid claims are sometimes denied by insurers, and those applying for benefits must file an appeal. If you’re dealing with a denied LTD claim for spinal stenosis, our long-term disability attorneys in Chicago may be able to help. Bartolic Law has helped many people with Spinal Stenosis. Recently, we helped a client who worked in sales and spent a significant amount of time on a computer obtain long-term disability benefits due to cervical spinal stenosis. The insurer contested the claim.
We involved a vocational expert to demonstrate the client’s occupation required frequent to constant computer use, and due to the cervical stenosis radiating to arms and affecting neck movement, the client could not perform such work. Despite the insurer denying the claim, we were able to get our client paid in full, not a settlement.
Here are several tips for filing your spinal stenosis disability claim. Prior to filing your claim, review the terms of your LTD policy to make sure your condition is covered. The Employee Retirement Income Security Act of 1974 (ERISA) requires your employer to provide copies of all policy-related documents, free of charge and at your request. To protect your rights to long-term disability benefits and in filing a claim, it is important to carefully document your spinal disorder. This includes visiting your doctors regularly, being compliant with medication, testing, and treatment, and getting copies of all test results, and maintaining your own medical records.
You will also need to make sure doctors document your disability, get second opinions or verification of your disability from other sources, and keep your own journal detailing the impacts your spinal stenosis has on your life. All of the above is important evidence that can be used in your case and presented to insurers when filing disability claims for spinal stenosis.
At Bartolic Law, we provide the trusted legal guidance you need in filing disability claims. Our goal is to help you get the benefits you deserve. It’s never been easier to get the help you need. Complete this questionnaire to request your case evaluation from a Chicago long-term disability lawyer. You can also book an appointment online.
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