Long-Term Disability Benefits for Orthopedic Injuries and Diseases
Orthopedic or musculoskeletal conditions may be acute or chronic and develop either through injury or from a disease. There are dozens of orthopedic conditions that may result in complete disability, and they may impair nearly any part of your body.
People of all ages and all professions can suffer from orthopedic disorders that prevent them from working. If this has happened to you, you may be entitled to long-term disability benefits through your insurance policy.
Understanding the Different Orthopedic Disabilities
Some orthopedic disabilities develop suddenly due to an accident. Injuries to any of the soft tissues such as whiplash, or to the skeletal system such as a hip fracture, can lead to severe pain and difficulty moving. While many of these injuries will heal within a few months, some can create life-long pain and loss of mobility.
Other orthopedic disabilities are diseases that develop over time. Conditions such as degenerative disc disease are slow-progressing and create disabling symptoms over several years. Scoliosis is a spinal condition that is often diagnosed and corrected at an early age, but it may go untreated in adolescence and create disabling conditions in the future. Likewise, rheumatoid arthritis is more prevalent in older populations due to the damage done to joints by the body’s immune system.
Whether you have developed an orthopedic disability due to a sudden injury or have progressively deteriorated due to a musculoskeletal disease, if your condition has made it impossible to work, your long-term disability insurance should step in to help.
Tips for Filing For Orthopedic Disability Benefits
The first thing the insurance company looks at in any disability claim is how your condition impacts your ability to work. Orthopedic injuries and diseases often affect your ability to reach, stand, walk, lift, sit and stretch, so nearly any job — from desk clerk to dock worker — may be impaired by these conditions.
If your orthopedic disability stemmed from an injury, you will need to show documentation of when the injury occurred. You should have evidence of ongoing medical care from the time of the injury all the way to the present day to show that it has been an ongoing condition.
While X-rays and imaging scans can show definite proof of an injury or damage from a disease, the real evidence to support your claim comes from your doctors, employer and yourself. Statements and records from your doctor and employer detailing how the injury or disease has affected your performance at work can be helpful in validating your disability claim. You also should keep your own personal records to show how your orthopedic disability affects your life, both at work and at home.
Don’t Lose Your Disability Claim Due to Lack of Evidence
At Preszler Law Firm, our lawyers help with orthopedic disability claims for dozens of conditions. Each type of injury or disease is unique and will require various types of evidence to support a long-term disability claim. Rather than taking a guess at what evidence the insurance company will need to approve your disability claim, call us at 1-800-JUSTICE®. We can schedule a consultation about your insurance claim or pending appeal and determine the right evidence to get your claim settled. And most importantly, there is a never a fee unless we recover money for you.