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Long Term Disability Benefits and Concerns About Contracting COVID-19

Long Term Disability Benefits and Concerns About Contracting COVID-19

We are starting to see LTD claims being denied by the insurance companies where there is a COVID-19 element to the claim. It is early days when it comes to seeing these claims where COVID-19 becomes an issue, because it takes months for denied claims to trickle down into the legal community. A recent article in The Players’ Tribune, written by WNBA player Elena Delle Donne suggests that LTD insurers will use similar reasoning to deny claims. Ms. Donne, who plays for the WNBA’s Washington Mystics has Lyme Disease and has to take 64 pills a day to be able to function and...
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Chronic Pain: Invisible but Very Real

Chronic Pain: Invisible but Very Real

At first, Josie was grateful. She had walked away from the crash relatively unscathed, and the injuries she sustained healed over the next few weeks. Any car accident could be harrowing, but she was a young and otherwise healthy college student and had been able to bounce back without too many lasting consequences. Or at least, that’s the way it had seemed at the time. She would eventually learn that the collision had done more permanent damage than she had initially realized, though it would still be several years before her symptoms truly started to manifest. It began...
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Denied Disability Claim For Addiction

Denied Disability Claim For Addiction

Applications for disability benefits with invisible illnesses are often held to higher levels of scrutiny. Addictions — alcohol, drugs, gambling, sex, etc are considered invisible illnesses, and are often heavily scrutinized. Leonard, a 43-year-old web developer, learned this the hard way.  Leonard was walking home when he was involved in a car accident. Someone ran a red light and hit him as he was crossing the street. Thankfully, it was a small residential area, so the car wasn’t moving fast enough to cause any broken bone but Leonard suffered severe whiplash, a...
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Denied Due to Lack of Evidence

Denied Due to Lack of Evidence

Wayne enjoyed his work as a digital marketing strategist, but he would not have described the job as a physically demanding one. He started to rethink that stance after his health took a turn for the worse when he turned 35. At first, his symptoms were relatively minor. He might be tired one day and sore on another, but for the most part it just felt like an extension of the regular aches and pains that most people dealt with during their adulthood. Unfortunately, those symptoms gradually became more intense over the course of several months. Before long, Wayne was...
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Fibromyalgia Denied With Not Enough Proof

Fibromyalgia Denied With Not Enough Proof

Carter was used to a little bit of pain. He spent a lot of time on his feet in his day job as a building manager, and things just hurt more at 50 than they did at 20. That’s why he wasn’t too concerned when he started to experience mild but recurring pain that spread from his right leg to his lower back. It was unpleasant, but not entirely unexpected. Unfortunately, those symptoms persisted, and his efforts to diagnose the problem were largely ineffective. Based on the location of the pain, Carter thought it might have something to do with a bad fall that he had...
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Supporting A Loved One With Anxiety/Depression

Supporting A Loved One With Anxiety/Depression

Mental illnesses such as depression and anxiety can be insidious conditions. Invisible illnesses, they’re easily dismissed, the severity of their symptoms easily diminished. That’s why it’s vitally important to know how to help those with depression or anxiety, whether they’re a friend or a loved one.  The first step in helping someone is knowing what they’re up against. That means doing as much research as possible, learning what you can about their conditions, and then being open to learning more as time goes on. The first and possibly one of the most important...