Asking the Right Questions About Your Disability Coverage

We represent a number of clients who suffer from Rheumatoid Arthritis and various other rheumatic conditions. Recently, the American College of Rheumatology posted a blog on its website advising the newly diagnosed to ask the “right” questions. You can see that advice here:

That got us thinking about how you can ask the right questions about your disability coverage.

Rheumatoid Arthritis (“RA”) is a chronic disorder in which the body’s immune system attacks joint tissue and causes inflammation that can spread throughout the body. It can also cause excruciating pain. Because there are very few visible symptoms during most stages of this disease, its sufferers appear to be fine when in reality, they are in extreme pain.

Another difficult aspect of RA, from a disability standpoint, is that there is no single test for diagnosing the condition. Rather, it is diagnosed by clinical evaluation, lab tests and imaging. This makes meeting your long term disability plan’s definition of disabled more difficult as insurers are often looking for “objective evidence” of disability.

Moreover, studies have shown that RA can result in depression and anxiety for those diagnosed with this disease. This can further complicate a long term disability claim under a policy that limits benefits for disabilities caused or contributed to by a mental or nervous disorder.

Kantor & Kantor can offer you help with your disability claims – should you become disabled by RA or other rheumatic conditions. We can help you ask the right questions, such as: what are all of my symptoms; did my depression start after or before my diagnosis? What kinds of medications am I taking? Are their side effects also disabling me? What does my policy say about appropriate treatment?

If you have been diagnosed with RA or another rheumatic condition, and the symptoms (and side effects of the medications to treat it) become disabling, please do not hesitate to contact Kantor & Kantor for a no-cost consultation at (877) 783-8686.

We understand, and we can help.

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