As the name suggests, sudden cardiac arrest (SCA) occurs when the heart suddenly stops functioning and can lead to sudden cardiac death. This condition is the United States’s leading cause of natural death, resulting in the death of some 325,000 adults annually. Mostly, SCA affects adults aged between 35 and 50 years, and men are twice as vulnerable as women. It is rare in children, affecting only 1 to 2 out of every 100,000 children annually.
Doctors associate sudden cardiac deaths with undiagnosed heart diseases. Congenital birth disabilities account for most younger people who die of this condition. Conversely, coronary artery disease accounts for most adult deaths. So, who is more vulnerable to this condition? The following persons or groups of people are more susceptible to this disease: heart disease patients with enlarged hearts and other cardiovascular defects, hypertension patients, obese persons, smokers, patients with previous heart attacks, people with substance abuse problems, and those with excess magnesium and potassium deficiencies.
Although over half of the disease’s cases have no previous clinical signs, this condition has varied symptoms. Leading clinical signs include dizziness, racing heartbeats, sudden collapse, loss of consciousness, difficulty breathing, and the heart stops beating. This disease has no specific cure.
However, doctors can prescribe medicines to help patients with chronic cardiac conditions. Some of the medications doctors administer are beta-blockers and calcium-channel blockers. Patients with excess cholesterol and coronary artery disease might receive statin drugs. Many people must rest and take time away from work due to sudden cardiac arrest.
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)
If sudden cardiac arrest prevents you from working for the foreseeable future, you want to make sure you have the necessary financial support. Building a successful case for disability benefits due to cardiac conditions is difficult, but we’ve helped many Chicagoans successfully file these types of claims, and we may be able to help you too.