Any form of lung cancer or lung disease can devastate your life, but your problems are often compounded by insurance companies denying claim or delaying your benefits.
Disability Due to Lung Disease
Like many disabilities, disabilities related to lung cancer or lung disease start slowly and can go unnoticed making them particularly difficult to treat and cure. These diseases affect everyone slightly differently. Some people may be able to continue to work through their treatment while others find treatment completely debilitating. Insurance companies know this, and they will often treat people like they are faking their level of disability. Insurance companies may demand independent medical examinations or multiple internal evaluations of your claim, all of which are geared towards the ultimate denial or delay of payment of your claim. All lung diseases are serious and often fatal, the last thing you need is an insurance company giving you a hard time about your legitimate claim. If you have submitted a claim for disability to your insurance company due to lung cancer or other lung disease, and you have been denied or the insurance company has been dragging its feet pay you, give us a call. We’ll deal with the insurance, so you can focus on getting better.
Lung Cancer and Other Cabling Among Diseases
Lung Cancer: Lung cancer comes in a few different varieties all of them are serious and potentially deadly. A diagnosis of lung cancer almost always means a long period of disability and possibly permanent disability. Lung cancer almost always requires aggressive treatment to stop and remediate the disease. The disease itself may not be completely disabling however the treatments often prevent people from being able to work or otherwise function.
Chronic Obstructive Lung Disease (COPD): COPD is a general term referring to conditions that tend to obstruct normal airflow in a patient’s lungs. COPD includes diseases like emphysema, chronic bronchitis, cystic fibrosis, and asthma. COPD is often not completely disabling which is why insurance companies frequently deny claims related to it. COPD can be quite serious in some patients rendering them completely disabled.
Restrictive Lung Disease: Restrictive lung disease is characterized by the lungs inability to properly exchange gases during respiration. It may leave you feeling as though you cannot fully exhale or inhale while you were breathing. This can make it extremely difficult to function normally. Simple things like gardening, dressing yourself, walking to the mailbox, and working at a desk, can leave you out of breath. Restrictive lung disease is commonly due to infections of the lung tissue and may originate from bacterial, fungal, viral or parasitic infections. Depending on the severity of the infection, you may be disabled for a long period of time and you should file a claim with your disability insurance provider.
Drug side-effects: Many autoimmune diseases require aggressive drug treatments to forestall your body from attacking itself. Many of these drugs have side effects that affect the lungs. These side effects may mimic other lung conditions and can be seriously disabling. Often in autoimmune disease cases, the treatment adds to or is the cause of a disabling condition more so than the disease itself.
Strokes and Breathing Problems: Strokes and neurological conditions may affect breathing. In most cases if the condition is causing respiratory issues, you already have a valid claim for disability based on the related condition. However, in some situations you may in fact recover from most of your symptoms related to a stroke or neurological condition but still be left with respiratory issues. In some cases, these respiratory issues are severe enough to completely disable a person for a long period of time if not permanently.
Proving Lung Cancer Disability for an LTD Insurance Claim
you and your doctor will be able to determine the right course of action for your situation. If you have a valid long-term disability claim due to a lung condition, you should not hesitate to file a claim with your insurance company. Unfortunately, many insurance companies will do everything possible to deny your claim.
At Mehr, Fairbanks & Peterson, we understand how long-term disability insurance works and why insurers deny benefits. When you hire our law firm, you are represented by skilled professionals with a distinguished reputation and an extended history of successful appeals.
Disability claims related to lung cancer and other lung diseases can be complicated and are governed by various laws and regulations, both state and federal. Our attorneys are highly qualified with years of long term disability and ERISA claim experience, demanding justice from big insurance.
Contact Us Today
If your claim for long term disability insurance benefits for Lung Cancer was denied, you need an experienced attorney to get you the benefits you deserve. 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.