Long-Term Disability Insurance Claims for HIV/AIDS
If your HIV/AIDS disability claim was denied, the attorneys at Mehr, Fairbanks, & Peterson can help. We have been dedicated to this work since 1992 and have assisted many people living with AIDS and HIV to obtain the disability benefits they so desperately need.
Whether your claim was denied by an insurance company, don’t let them win without a fight.
Individuals living with HIV or AIDS endure a life-threatening condition in which their immune system is seriously impaired. HIV stands for Human immunodeficiency virus. People who have been infected with HIV may experience mild, flu-like symptoms for several weeks.
As the disease spreads and the virus builds in the blood stream, symptoms may increase to include weight loss, persistent diarrhea, fatigue and weakness, cough, fever, and shortness of breath.
Without treatment for HIV, the infection progresses to AIDS (acquired immune deficiency syndrome) usually in about 10 years. This progression from HIV to AIDS happens as the HIV virus destroys CD4 cells, also called T-helper cells. These white blood cells help your body fight disease.
Winning a claim for HIV/AIDS disability benefits can be difficult on your own.
HIV-positive and AIDS patients now have better medical treatment and anti-viral drugs available to them. Although this can lead to longer, improved lives, thousands of people live every day with serious disabilities from the disease itself, compounded by illnesses related to the disease, and side effects of treatment.
By the time a person is diagnosed with AIDS, their immune system has been severely damaged. Infections, cancers or other conditions that might not harm a healthy person are able to invade an AIDS patient’s unhealthy immune system and cause severe or fatal illness.
If you need help getting the benefits you need, contact us for vigilant help with your claim.
Long Term Disability Insurance Claims for HIV/AIDS
Disability insurance companies often deny claims or terminate existing claims for AIDS patients. They will argue from many angles.
Insurers may deny your claim from the premise that medical treatments have stabilized your condition to where you can work full time. They will argue that HIV is a pre-existing condition, or that your medical records do not prove that you are disabled.
Mehr, Fairbanks & Peterson is a disability law firm with significant experience in the internal claims handling and process of all major disability insurance companies and their affiliates. We handle both ERISA disability and private disability claims.
If your insurance provider denies your claim, we can help you make a strong and valid appeal for benefits. The insurance company hopes that you will give up. Do not give up; instead, allow us to review your claim, at no charge or obligation.
Contact Us Today
We are prepared for these and other tactics disability insurance providers use to avoid paying claims. Here is one account of our firm overturning a claim denial for HIV/AIDS.
As your attorneys at Mehr, Fairbanks & Peterson, we go the extra mile to prepare an original LTD insurance claim that is set up for success. We will appeal a denied disability claim with the legal arguments needed to counter every wrong allegation submitted by the insurance company. Please give Mehr, Fairbanks & Peterson a call toll free today at 800-249-3731.