Long Term Disability Claims



Long-term disability claims are complex. Insurance companies that deny valid claims unfairly make these claims more difficult.

In order to bring a successful long-term disability claim, the policyholder must meet the insurance company's definition of "disability." The insurance company will make this decision based on their own opinion, regardless or what your doctors have said. Obviously, this gives the insurance company the upper hand in deciding your claim.

A common medical problem that causes long-term disability is fibromyalgia. Fibromyalgia is a chronic pain disorder that causes tender spots and muscle pain. Tender points are typically found on the neck, shoulders, back, hips, arms, and legs.

Other symptoms of fibromyalgia include trouble sleeping, morning stiffness, headaches, or problems with thinking and memory.

Mental illness or psychiatric disorders are another common problem that causes long-term disability. These claims usually involve depression, which is a potentially devastating disorder that can be treated with medication.

An increasing number of business professionals are being denied long-term disability coverage for their injuries. Most people think it is a lost cause to fight insurance companies and therefore very few of these policyholders choose to fight back after their claim is denied.

David Share, of the law firm David Share Associates (http://www.sharedisabilitylaw.com), comments, "I think people are generally intimidated by insurance companies, which is understandable. If, however, you have an experienced firm stepping up to bat for you, the insurance companies are a lot less frightening."

To learn more about fibromyalgia, visit http://www.sharedisabilitylaw.com/disabling_fibro.html. To learn more about psychiatric disorders and disability claims, visit http://www.sharedisabilitylaw.com/disabling_depression.html.





Long Term Disability Claims