Suffering From Back Pain? Our Legal Team Can Help You Seek Long Term or Short Term Disability Insurance Benefits
Back pain is one of the most common reasons for filing a disability insurance claim. Unfortunately, back injury disability claims are routinely denied by insurance companies. Insurance adjusters will say that disabling back pain is difficult to prove or will not be longlasting. They ignore real pain symtoms, limited range of motion, and how back injuries prevent people from working to to protect the profit margins by denying back injury disability claims.
Are you seeking short term or long term disability benefits for back problems that keep you from working? Below, our long term disability lawyers explain how to successfully recover disability benefits for back injuries or conditions.
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Overview: Back Disorders and Problems
Back pain is a common issue that affects many people. For some individuals, however, the pain is debilitating and becomes a chronic disabling condition. Back pain disorders can be caused by a number of different physical problems, including, but not limited to:
- Bulging Disc
- Herniated Nucleus Pulposus (HNP or Herniated Disc)
- Degenerative Disc Disease (DDD)
- Lumbar Disc Disease
- Lumbar Radiculopathy (sometimes called “sciatica”)
- Spinal Stenosis
- Back Trauma
- Chronic Lumbar strain
Long Term and Short Term Disability Benefits for Back Pain
Most insurance companies will make it difficult for you to recover the disability benefits you deserve. They will not tell you what you need to provide to prove your claim. They may even deny your back injury disability claim outright. The most common reasons that insurers give for denying long term disability for back pain include:
- Your diagnosis is not definitive
- Your doctor has not provided enough evidence to support your limitations and restrictions
- The level of pain you are experiencing will not prevent you from performing the duties of your job
- Video surveillance shows that your injuries are not as severe as you and your doctor made them seem
- Your pain is subjective
- Your MRI, CT scan and EMG/NCT results are normal for your age range
- You had a successful surgery based on imaging, and there is no reason to have continued symptoms after surgery
To avoid the denial of your claim, you will need an experienced attorney by your side. He or she will work closely with you and your physician when filling out your initial application. At Tucker Law Group, our attorneys have decades of combined experience handling disability insurance claims. This includes representing policyholders with disabling back pain. Consult with our nationally recognized law firm during a free case evaluation.
How to Get Disability Insurance Benefits for Back Problems
Do you receive long term disability insurance from your employer? If so, then the Employee Retirement Income Security Act (ERISA) likely governs your policy. As the claimant, you must follow ERISA law to have your claim approved. An ERISA attorney can help you get the back injury disability benefits you deserve. The steps associated with the ERISA claim process include, but are not limited to:
- Filing an initial disability insurance claim
- Undergoing an insurance company investigation
- Having your claim approved or denied
- Filing an appeal after a claim denial
- Filing a lawsuit if your appeal is unsuccessful
If you have questions about the ERISA claim process, then please reach out to us. Our long term disability lawyers handle ERISA claims throughout the United States. We can offer you advice on how to best proceed with your claim.
Fight for Your Disability Insurance Benefits Today. Schedule a Free Consultation With Our Team.
Back pain can make it nearly impossible for you to perform the duties of your job. If you are currently experiencing disabling back pain, then give us a call at (866) 233-5044 or contact us online. We can help you understand how you can fight to recover disability benefits for back problems. Our long term disability lawyers will review your policy and your medical records. You owe it to yourself and your family to get help today!