If your benefits for kidney disease were denied unfairly, contact us about your disability claim. We know the law and will help you every step of the way to secure the benefits you deserve.
About Kidney Disease Disability
Someone suffering from kidney disease is severely ill and may quickly see a reduction in their ability to work.
Physical disabilities from kidney disease may include high blood pressure, nerve damage, anemia, loin pain, and painful swelling in the legs and ankles that limits your ability to walk. Medications and treatment may further disable you causing extreme fatigue, weakness, nausea, and frequent urination or constipation.
There are many causes of kidney disease, with diabetes and high blood pressure being the most common. Chronic kidney disease generally advances to end-stage renal disease. Over time, the kidneys can no longer filter wastes and excess water from the blood, sustain the correct balance of salt and minerals in the blood, or regulate blood pressure.
If kidney failure develops, the person will require dialysis or a kidney transplant. Heart disease is the primary cause of death for victims of chronic kidney disease.
Getting Kidney Disease Disability Benefits Under a Group or Private Insurance Policy
Long Term Disability insurance companies often take advantage of an unrepresented claimant. Until now, you have been doing business with a friendly insurance sales rep, or your employer’s claim representative.
These individuals play no part in the actual decision-making that goes on once you’ve filed a claim on your policy. The final decision is generally made by the insurance company’s claims examiner.
The language and terms in your policy control everything about your claim, and this often gives the examiner the latitude to deny or delay benefits based on a technicality (regardless of your doctor’s diagnosis).
Typical stall and denial tactics used by insurance companies include:
- Insurer denies your claim based on a pre-existing condition clause
- Insurer claims that you do not meet their definition of “disabled”
- Insurer uses their own paid medical consultants to support denial
- Insurer uses medical evidence against you that is unrelated to your kidney disease
Insurance companies realize that most policyholders get frustrated with the denials and eventually give up.
Call Us Today!
If your kidney disease has disabled you from working and the insurance company won’t pay, call Mehr, Fairbanks & Peterson without delay, for a free evaluation of your claim: 800-249-3731.
We represent disability insurance claimants all over the United States and deal routinely with the “big deniers” of group and individual LTD insurance.