Long-Term Disability Benefits for Cardiovascular Disease
Cardiovascular disease describes a collection of potentially disabling conditions that can prevent you from continuing your current job or performing any other job for which you are suited. While some events may be acute incidents that allow you to return to work as usual after recovery, other conditions such as Chronic Obstructive Pulmonary Disease (COPD) may result in a continuous inability to work, and therefore qualify you for long-term disability benefits.
What You Need to Know About Common Types of Cardiovascular Disease
Many cardiovascular diseases such as high blood pressure can persist for a lifetime and are easily managed with medication. Other more serious conditions such as congestive heart failure may require complex surgical procedures and drastic lifestyle changes following treatment.
If a cardiovascular disease or the treatment for such a condition results in a severe inability to perform your work duties and makes you unfit to obtain employment at another job, you will need to file a claim for long-term disability benefits with your insurance carrier.
Eligibility for long-term disability benefits is determined by the limitations and persistence of the disabling condition. When a cardiovascular disease is diagnosed, it is important to continue regular care and seek treatment to ensure you have evidence that you are suffering from a long-term disability and, even with treatment, are unable to engage in employment.
Supporting Your Disability Claim for Cardiovascular Disease
Evidence showing the limitations created by cardiovascular disease is the most important part of your long-term disability benefits claim. Some forms of cardiovascular disease may require ongoing treatment, multiple surgeries and constant health monitoring. Claimants who suffer from any form of cardiovascular disease should be able to show evidence that their health condition makes them unfit for continuing to work at their current job and impairs them from starting a job in any other field in which they are qualified to work.
Those who work in stressful or strenuous industries such as construction or manufacturing no longer may be able to lift heavy objects or remain on their feet after suffering a heart attack or stroke. Even low-impact jobs at an office desk may be unsuitable for a person who has had a cardiac episode due to increased stress and the risk of recurring conditions.
When you file your claim for benefits, you will need to provide extensive details of your condition, how it has impacted your life so far, the limitations it places on your professional and personal life, and your doctor’s prognosis for ongoing care and potential risks.
You May Qualify for Long-Term Disability Benefits for Cardiac Disease
Insurance companies are reluctant to pay claims for cardiovascular disease in the hopes that the condition will improve and allow the claimant to return to work. Preszler Disability Law has helped many Ontario claimants secure benefits when their health conditions render them unable to work. Contact us today to schedule a free consultation. We can review your eligibility and discuss your options with you. Call us now at 1-800-JUSTICE®. And remember, there is a never a fee unless we recover money for you.