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Stroke is one of the leading causes of disability in the United States and is the fourth leading cause of death. Strokes are caused by a disruption in blood flow in the brain that affects the central nervous system. An ischemic stroke occurs when a blood clot obstructs blood flow to the brain. A hemorrhagic stroke occurs when a blood vessel ruptures within the brain causing bleeding that disrupts the central nervous system. Another common causes, a ruptured aneurysm, which is a weakened cerebral artery that bursts.

A stroke, or other related event, usually strikes suddenly, with the first sign of a stroke being the stroke. Individuals can be suddenly disabled and in need of long term disability benefits, sometimes permanent disability. If caught early enough, depending on its severity, there is a good chance for the stroke victim to completely recover. However, that does not mean that the victim will not need long-term disability benefits. Insurance companies may adopt a wait and see attitude. Rather than processing and paying your benefits right away, they may drag out the process to see if you’ll recover. In the meantime, you may suffer financially while you recover.

Depending on the severity of the stroke and the length of time blood flow was disrupted in the brain a patient may experience partial paralysis, total paralysis, loss of memory, loss of vision, speech and language impairment, and even death.


Spinal stenosis occurs when there is a narrowing of the spinal canal, which compresses the spinal cord and nerves. This medical condition often results in severe symptoms and a profound effect on those afflicted.

The condition can limit one’s ability to work or carry out normal daily activities and may result in permanent disability. Seeking disability benefits for spinal stenosis can be a lengthy, frustrating process.

Denial of Spinal Stenosis Disability Claims – Long Term Disability Insurance


A spinal cord injury and disability can be devastating, but it does not have to ruin your life financially. You may be entitled to private or employer-sponsored disability insurance.

A spinal cord injury disability occurs when someone suffers from the loss of function, mobility or feeling in the body. As a victim of spinal cord damage, you have much at stake. It is likely you are rendered disabled to some degree, if not entirely. Some who suffer from back and spine disorders can continue working, but many lose their ability to function in the workplace altogether.

The spine, also called the vertebral column or the spinal column, is a collection of flexible bones that surround the spinal cord. The spinal cord is the bundle of nerves that extend from the base of the brain down the center of a person’s back, to the waist. Nerves within the spinal cord carry nerve impulses – messages – to and from the brain to the rest of the body.


For people suffering from sickle cell disease, disabilities materialize in various ways including periods of pain that affect their bones, muscles, organs or the nervous system. This renders many sickle cell victims unable to work and live a normal, functioning life.

Sickle cell disability creates financial hardships when people afflicted with the disease are forced to give up their jobs. Financial distress may be relieved by filing claims with the Social Security Disability program, and in some cases through an employer’s group insurance plan or a private disability insurance policy.

If you have filed a disability claim to any of these programs or to your disability insurance company and your claim was wrongly denied, we can help. Our firm has represented thousands of disabled individuals from coast to coast, and we know what it takes to get a favorable outcome.


Millions of Americans are affected by a Seizure disorder. The symptoms of seizure disorders very greatly from individual to individual, depending on the underlying cause of the seizures. In many cases, symptoms of seizure disorders are so severe that the person afflicted with the condition is unable to work. Long-term disability insurance companies are particularly indifferent to people with seizure disorders. This indifference seems to stem from their belief that most people with seizure disorders can hold down a job and provide for themselves. This often results in the denial of claims for people with seizure disorders.

If you are filed a long-term disability claim due to your seizure disorder and it has been denied, call us. We take on the big insurance companies and fight for the benefits you deserve.

How Seizures Can Disrupt a Person’s Abilities


Schizophrenia is a terrible disease that strikes many people in their late teens and early 20s. Schizophrenia can make it impossible for someone to have normal relationships and find gainful employment. You or a loved one may have worked for a few years prior to being diagnosed with schizophrenia. During that time, you may have paid into a long-term disability insurance plan that was intended to provide for your needs if you were to become disabled. Now schizophrenia has rendered you unable to work and you have filed a claim with your long-term disability insurance carrier, only for it to be denied.

If this is happened to you, or someone you love, don’t be a victim of the insurance company. If your long-term disability claim due to schizophrenia has been denied, call us. We won’t let the insurance company push you around. We fight for our clients until they get the benefits they deserve.

About Schizophrenia Disability


Post-traumatic stress disorder disability affects millions of Americans, both veteran and civilian. PTSD can affect anyone who has lived through or witnessed a traumatic event such as:

  • The horrors of war and combat
  • Terrorist attacks, such as the 9/11 World Trade Center attack
  • A disaster such as a riot, fire, or hurricane
  • Sexual assault
  • Domestic violence
  • Surviving a catastrophic injury
  • Violent crime such as shootings or murder

PTSD Symptoms

PTSD is a type of severe anxiety disorder. Research has indicated that PTSD can actually damage the brain, where stress can cause the brain to atrophy as well as result in neural death of some areas of the brain.


Even if your doctors have diagnosed you as having Parkinson’s disease, you still may be challenged by the insurance company. Insurers may send you endless notices that they need more time, or continually request more information, hoping you will give up. They may deny your long-term disability insurance benefits altogether.

Most insurance companies hire their own doctors to review patients’ claims without ever meeting the claimant or performing an examination. Any small piece of evidence that supports denying the claim, such as the opinion of an in-house doctor, becomes ammunition for open-ended clauses in the policy that would support a denial of the claim.

Insurance companies may also charge that there is not enough evidence to support a diagnosis of Parkinson’s disease disability and deny the claim on the basis that you are able to return to work.


Mehr, Fairbanks & Peterson represents individuals whose long term disability claims for Meniere’s disease disability have been denied. We are familiar with the way insurance companies consider these claims. We can help you prove to your insurance provider (and the court) that you truly are dealing with an issue that prevents you from working

By their very nature, these claims are difficult to prove. Due to the intermittent aspects of the disease, insurers rarely consider this to be a truly disabling condition. Without a rock-solid claim, insurers can dismiss Meniere’s disease because it is “temporary” and not a long term disability.

At the same time, most claims examiners have no experience with Meniere’s disease, and do not understand its disabling consequences.


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.


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