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Claiming Paralysis Disability on an LTD Insurance Policy


Paralysis is the loss or deterioration of motor function in one or more muscle groups. Paralysis victims can no longer voluntarily control body movements. If you suffer from paralysis, it likely has made a devastating impact on your life, including your ability to hold down a job.

Paralysis is often the result of spinal cord injuries. Disease and other conditions such as stroke may also impair neuromuscular function. Advanced forms of paralysis include:

  • Paraplegia: Weakness or paralysis of both legs
  • Quadriplegia: Weakness or paralysis of both arms and both legs. Due to the severity of quadriplegia, paraplegia and other paralytic conditions, many paralysis victims require permanent total disability.


There are several possible reasons that one may experience temporary or permanent paralysis. It is usually as a results of damage to the spinal cord or other parts of the nervous system and associated with:

  • Stroke
  • Trauma
  • Poliomyelitis
  • Cerebral palsy
  • Peripheral Neuropathy
  • Parkinson’s disease
  • Botulism
  • Spina bifida
  • Multiple sclerosis
  • Guillain-Barré syndrome.

Additionally, some medications may impact the function of the nerves and in rare cases have the potential to cause paralysis.

It is common for paralysis to result in several secondary health conditions. Particularly urinary incontinence and bowel incontinence are known to affect many people who are affected by paralysis. Additionally, there is an increase in sexual frustration for both men and women.

Pressure ulcers may also occur, as a result of excessive pressure placed on particular tissues in the body.

Many people also experiences psychological effects as a result of the changes related to paralysis. Depression is very common as individuals are often unable to live life as they were accustomed to doing and adjusting to this change can be difficult.

Claiming Paralysis Disability on an LTD Insurance Policy

Many insurance carriers doggedly fight to keep their costs low by denying critical coverage. Because paralysis disability claims can imply serious care needs with high, long-term expense, insurance companies may avoid approving disability benefits that are available with the policy.

You may be unsure of the benefits available within the ambiguous language in your policy. Do not depend on your insurance carrier to act in your best interest.

You don’t have to accept their denial. When the insurance company shuts its eyes on your paralysis and the significant problems and challenges in your life, we will step in and stand up for your rights.

As disability attorneys, we are keenly aware of the strategies used by insurance companies to delay and deny payment on claims, no matter how valid the claim may be. We will know exactly what is needed to file an effective appeal.

We will also anticipate the arguments the insurance companies will use to defend their decision to deny your claim.

Contact Us Today

We understand the devastating nature of paralysis, and we are dedicated to helping victims of this impairment receive maximum compensation.

If your claim for long term disability insurance benefits for Paralysis was denied, you need an experienced attorney to get you the benefits you deserve. Call Mehr Fairbanks Trial Lawyers 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.

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