Low Back Pain Disability Lawyers
Are you experiencing chronic low back pain? Did you suffer an injury to your back or spine? Does your pain prevent you from working? If the answer to any of these questions is yes, you may be eligible for Long Term Disability (LTD) insurance benefits. Disability insurance is highly complicated, but an experienced back and spine disability lawyer can help you access your benefits.
Back pain is one of the most common ailments suffered by Americans. Nearly 65 million Americans report recently experiencing an episode of back pain, and about 16 million adults suffer from chronic back pain.
Back pain is stressful, psychologically taxing, and financially costly. Long term disability benefits can help you live more comfortably while you manage your back pain. LTD insurance law is more complicated than many other areas of insurance law, so consulting with experienced LTD insurance attorneys can help make your claims process more efficient and help you access the highest amount of benefits possible. Call the experienced LTD insurance attorneys at Abell and Capitan Law today by calling (267) 419-7888.
Why Do I Need An Attorney?
Hiring an attorney helps ensure your claim application process goes as smoothly as possible. Disability insurance claims are notoriously complicated, and making even a minor mistake can result in a denial. Claim applications are often written in confusing legal language that most people have trouble understanding. LTD claims are also subject to confusing and competing deadlines, and submitting a document late can void your claim. Insurance companies are financially motivated to find any reason to deny your claim, so having an experienced attorney to advocate for you is essential.
If you get your disability insurance through your employer, then it is regulated by a federal law called the Employee Retirement and Security Act (ERISA). ERISA was passed with the intention of protecting employees and their benefits. But over the years, various courts have interpreted the law in ways that prioritize insurance companies over individual policyholders. This has made it much more difficult for many policyholders to access their LTD benefits. An LTD insurance law attorney will be well-versed in ERISA and ensure your claim is fully compliant with all ERISA standards.
Unfair Practices in Long Term Disability Claims
Insurance company representatives are motivated keep profits high by maintaining low claims costs, and often that means denying claims, even for unfair or illegitimate reasons.
Some examples of this include:
- Paying lower disability benefits than the amounts stated in the policy
- Delaying claims for a long period of time
- Denying benefits for unfair reasons
- Requesting duplicate or excessive information or documentation
This is why hiring a lawyer to help you get the benefits you’re owed is crucial to your life and livelihood. Be sure to contact an LTD lawyer at Abell and Capitan Law if this has happened to you.
Why Should I Choose Abell and Capitan Law?
Abell and Capitan Law is unique because it is one of the few national law firms that exclusively handles disability insurance law. Most law firms that take on disability cases also handle other areas of law, such as personal injury, product liability, and workers’ compensation. Many of these law firms only take on a small number of disability insurance cases and focus primarily on other areas. Our exclusive focus on disability law gives us a deep and nuanced understanding of the intricacies of disability law.
We also offer a 100-percent free consultation. Tell us about your case, ask questions, and we’ll get started on your claim. Set up your consultation by calling (267) 419-7888 today.
Low Back Pain
According to The National Institute of Neurological Disorders and Stroke, low back pain is the most common cause of job-related disability.
Acute back pain is defined as pain that lasts a few days to a few weeks, while chronic back pain lasts longer than three months.
Low back pain is usually the result of an injury, such as sprains from lifting heavy objects or from making sudden movements.
Other common causes of low back pain include:
Disc injury: The discs in the lower back are prone to injury, especially as one ages. The disc can herniate, which occurs when the cartilage surrounding the disc pushes against the spinal cord or nerve roots. This is also called a slipped or ruptured disc. Disc injury often occurs after improperly lifting something heavy or twisting the back. The pain usually lasts for more than 72 hours.
Sciatica: This may occur with a herniated disc if the disc presses on the sciatic nerve, which connects the spine to the legs. Though this is a back injury, it can cause pain in the legs and feet that feels like burning or pins and needles.
Spinal stenosis: This occurs when the spinal column narrows, putting pressure on the spinal cord and surrounding nerves. It usually occurs due to the degeneration of the discs between the vertebrae. It can cause numbness, cramping, and weakness.
There are many other causes of low back pain. If you are experiencing low back pain, you should seek medical attention as soon as possible. If you delay medical care or do not follow a doctor’s instructions, the insurance company may deny your claim, arguing that you worsened your condition.
Contact an Experienced Long Term Disability Insurance Attorney
At Abell and Capitan Law, we understand the impact that low back pain can have on an individual’s life. We are committed to helping you get the disability benefits you need and deserve. Call us today at (267) 419-7888 to schedule a free consultation to discuss how we can help you get what you’re entitled to.