Lumbar Radiculopathy Disability Lawyers
If you have been suffering from lumbar radiculopathy (nerve root compression), you may be eligible for long term disability benefits. Lumbar radiculopathy is a painful and debilitating condition that can cause muscle weakness, loss of mobility, tingling, sensory loss, and decreased reflexes.
Individuals suffering from lumbar radiculopathy may have difficulty sitting or standing in one position for an extended period of time and may be unable to walk without pain.
Individuals with lumbar radiculopathy can qualify for long term disability insurance benefits, but insurance companies often make claimants jump through a number of hoops before granting benefits. It is quite common for insurance companies to deny lumbar radiculopathy claims, so enlisting the help of an experienced disability insurance attorney will help ensure your claim goes as smoothly as possible.
The experienced long-term back and spine disability lawyers at Abell and Capitan Law are prepared to help you with your claim. Call us today at (267) 419-7888 to schedule your free consultation.
Why Do I Need An Attorney?
Hiring a long term disability insurance attorney will increase your chances of getting an approved claim and help ensure the application process goes as quickly as possible. Insurance companies look for any reason possible to deny a claim. So even minor issues like forgetting to submit a form or missing a deadline by mere hours can result in a denied claim. With lumbar radiculopathy in particular, insurance companies require claimants to satisfy a number of conditions before approving their claim. A disability insurance attorney can help you understand these requirements and explore other options if you are not able to meet them.
You should always consult with an attorney before signing any legal documents or accepting any money from an insurance company.
Unfair Practices in Long Term Disability Claims
If you believe that your long term disability insurer has unfairly denied or delayed your claim, turn to Abell and Capitan Law for help. While policyholders have a right to expect that the benefits they’ve paid premiums for will be there when they need them, the insurance company may only care about its financial bottom-line. This often leaves policyholders at odds with the insurance company. Some examples of unfair practices on the part of the insurance company include:
- Delays in paying for a valid claim, often by requesting excessive documentation or duplicate information
- Denials of valid claims
- Attempting to pay less than what you’re owed according to your policy
Fortunately, with an experienced LTD attorney on your side, you can even the playing field with a powerful insurance company. Your attorney will work to obtain all the necessary evidence and documentation to prove that your long term disability claim should be honored, and will fight back against any attempts to pay you less than what you’re entitled to.
Why Should I Use Abell and Capitan Law?
Abell and Capitan Law is one of a few national law firms with an exclusive focus on disability insurance law. Most law firms that handle disability cases are primarily focused on other areas of law, such as personal injury, product liability, or workers’ compensation. Our narrow focus on disability insurance gives us a uniquely nuanced understanding of the complex field of disability insurance law, which is an advantage that can make a key difference when dealing with an insurance company.
Lumbar radiculopathy, also referred to as nerve root compression is a disorder that causes pain in the lower back and hip. It is also referred to as sciatica. The pain radiates down through the legs and feet and can be more pronounced in these areas than in the back. It can cause tingling, radiating pain, numbness, and shooting pain.
Lumbar radiculopathy occurs when the spine’s nerve roots are compressed or irritated. This may result from a number of conditions, including spinal disc hernia, spinal stenosis, arthritis, fracture, osteophyte, or other degenerative conditions.
Qualifying for Disability Insurance Benefits
If your lumbar radiculopathy meets several requirements, you can qualify for Social Security disability benefits. Essentially, evidence of compression on your spinal nerve root or spinal cord must be accompanied by all of the following symptoms:
- Limited spinal mobility
- Sensation/reflex loss
- Muscle weakness
- A positive result on the straight-leg-raising (SLR) test. This is an examination where a patient lies down and raises their leg between 0-90 degrees. If there is pain between 30 and 70 degrees, the test is considered positive
These symptoms must have been present or expected to be present for at least one year.
In contrast to other spinal diseases, the Social Security Administration does not technically require subjective diagnostics such as MRIs, x-rays, and CT scans. In reality, confirming your lumbar radiculopathy with one of these diagnostics can be very helpful in increasing your chances of receiving benefits.
The majority of individuals who file for Social Security benefits for lumbar radiculopathy don’t end up qualifying for benefits. This is because it’s very difficult to meet all of the Social Security Administration requirements for lumbar radiculopathy. An attorney will help you get the medical tests necessary to prove your condition, appeal your claim if it’s denied, and work with you on other options if necessary.
It’s also possible that you have long term spinal disorder disability insurance through private insurance, likely from your employer. The process for accessing your benefits from a private insurer may be slightly different than the Social Security requirements. You should contact a lawyer to discuss your specific situation.
Contact A Long Term Disability Insurance Attorney Today
At Abell and Capitan Law, we understand the devastating implications that a long term disability can have on your life. If you are suffering from lumbar radiculopathy, you have a right to receive long term disability benefits to help support you, your family, and your recovery.
Abell and Capitan Law is here to guide you through the complicated process of accessing your long term disability benefits. We are passionate about advocating for our clients and our exclusive focus on disability insurance law enables us to effectively stand up to insurance companies. Call us today at (267) 419-7888 to set up your free consultation.