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Why Insurance Companies Deny Crohn’s Disease Disability Claims


If Crohn’s disease disability is preventing you from working, your claim for long term disability benefits may have already been met with denial and opposition. This condition can be extremely disabling. Generally, the disease inflames your gastrointestinal tract’s lining, causing paralyzing pain, discomfort and hardship. You may have already had one or more surgeries in which segments of intestine were removed in efforts to alleviate the symptoms. Crohn’s can deteriorate further by spreading to the diseased bowel tissue’s deeper layers. Life-threatening complications can ensue.

Why Insurance Companies Deny Crohn’s Disease Disability Claims

It is common for LTD insurance claim reviewers to lack understanding of Crohn’s disease. Although a visible and genuinely disabling condition, Crohn’s disease is typically dismissed by insurance providers as merely a discomfort and inconvenience.

Many insurers stubbornly stick to their view that Crohn’s is not a long term disability, and that you will get better with treatment and time. Other insurers will enforce the view that your Crohn’s symptoms are due to a mental illness or nervous condition, thereby limiting any possible long-term disability payments to one or two years.

The reality is, insurance companies often do whatever it takes to protect their profit base – which boils down to selling premiums, but not paying out the benefits that are rightfully due. In addition, federal disability programs, no matter how well-intended, often fail to award benefits for legitimate claims.

How Can I Prove that I Cannot Work Due to Crohn’s Disease?

The ways to fight back are all within the legal system. To win the benefits you deserve, you must appeal your denied claim (or prepare your initial claim) correctly and completely. You should thoroughly document every aspect of your case and load the record with medical and vocational evidence that proves your claim.

If you are suffering from Crohn’s disease, our law firm can help you take the first steps towards obtaining LTD benefits. Allow us to prepare the strongest possible case for you in your initial application. Find out about our long term disability application assistance.

If your Crohn’s disease disability claim has already been denied, do not accept their denial as final! Our disability lawyers may be able to appeal your denied claim. One by one, we will find and address every reason for the denial. We provide meticulous documentation, taking the proper actions to overturn the denial and win your claim.

What Is Crohn’s Disease?

Crohn’s disease is a form of inflammatory bowel disease (IBD). Crohn’s causes continual inflammation at various sites in your GI, or gastrointestinal, tract. This results in diarrhea, which can be severe and insufferable. While Crohn’s is very similar to ulcerative colitis, the regions of the GI tract that are affected by these two IBDs are different. One difference is that Crohn’s may affect most any region of the digestive tract. Ulcerative colitis affects only the large intestine.

Side effects of Crohn’s disease leads to many disabling complications, including:

  • persistent, uncontrolled diarrhea
  • tender, painful abdominal mass
  • unintentional weight loss and malnutrition
  • chronic fatigue
  • abdominal pain and cramps
  • ulcers, draining abscess or fistula
  • fever
  • constipation

Beyond medical side effects, the disruptions to one’s daily life are enormous. Fear and frustration severely interfere with routine 8-hour work schedules and the ability to concentrate.

What’s more, there is no cure for this condition. While care management, medical treatment, surgeries and diet can help manage the symptoms, in most cases those disabled by Crohn’s disease live with their condition for a lifetime.

Contact Our Crohn’s Disease Disability Lawyers Today

Crohn’s disease is a condition that affects millions of people each year. Our attorneys understand the vocational disabilities and medical complications caused by this disease. We combine this with our knowledge of disability insurance law to effectively represent our clients, and prove they are disabled as defined in their disability insurance policy.

If you are disabled due to Crohn’s disease and your disability claim has been turned down, we can help. Call Mehr Fairbanks Trial Lawyers toll free today at 800-249-3731 to speak with us now. We will explain the laws that apply to your claim, answer your questions, and help you understand your options.

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