Crohn’s Disease Disability Claims
Nationwide Disability Attorneys You Can Believe In
Crohn’s disease can cause chronic pain that ranges from mild to severe enough to cause debilitation. Despite hundreds of thousands of Americans living with this disease, some disability insurance companies do not view this illness as a valid basis for long-term disability benefits. If you have been diagnosed with Crohn’s disease and it makes completing work-related duties impossible, then you should call (800) 969-0488 to talk to our disability attorneys at Dabdoub Law Firm about your options.
Proving the Disability Caused by Crohn’s Disease
Whenever you file for long-term disability benefits, either through an employment-provided disability policy or one privately purchased, the first thing insurance companies want to see is proof of your disability. For people living with Crohn’s disease, it can be quite difficult to show that the chronic pain caused by the disease is actually disabling. Doctor reports can note clearly a diagnosis of the disease, but since outward symptoms are rare, insurers may be quick to doubt your claim.
Typical symptoms of Crohn’s disease include:
- Abdominal cramping
- Chronic pain
- Spells of nausea
Any single of symptom of Crohn’s disease can be severe enough to become disabling. However, most people diagnosed with Crohn’s disease only experience mild symptoms, which gives insurers even more reason to want a thorough investigation of your claim and medical records. Your claim is also not benefitted by the fact that the cause of Crohn’s disease is still misunderstood, with leading research only suspecting it being a reaction to an autoimmune failure.
Do You Require Long-Term Disability Benefits?
Crohn’s disease has no known cure, only medicines and other treatments that can alleviate it. The permanence of the disease does not guarantee permanent, lifelong disability benefits, though. If you are approved for disability benefits, your insurer will likely first give you “own occupation” disability benefits, which means you cannot perform your regular job functions due to your pain and chronic conditions. In such an instance, you will be granted disability benefits for up to 24 months.
If you want your long-term disability benefits to continue after the 24-month mark, then it must be shown that your Crohn’s disease is severe enough to prevent you from holding any occupation. This may seem difficult to prove, but it is not impossible. The first step is finding a long-term disability lawyer you can trust with a case like yours.
How Dabdoub Law Firm Can Help – (800) 969-0488
Our highly experienced team of disability and ERISA claim attorneys have managed hundreds of claims for clients all around the United States. We have been there to assist people with a variety of medical conditions, from back pain to migraines to Crohn’s disease, and we would like to be there to help you as well. Contact our firm today to speak with a disability attorney, during which we can tell you more about how to file a claim and what to do if it is denied or delayed by an insurance company.