Posted on Friday, January 16th, 2026 at 8:00 am
Chronic back pain often feels like an endless battle. Financial stress becomes overwhelming when you can no longer work. You take an important step by seeking degenerative spine disability benefits. This support helps protect your future and your family. At Capitan Law, PLLC, we understand the details of these claims. We also know the tactics insurance companies use to deny claims. Our team helps you manage the process. We fight for the support you deserve.
Why Choose Capitan Law, PLLC for Your Degenerative Spine Disability Claim?
An experienced legal team makes an important difference in your disability claim. Capitan Law, PLLC focuses on disability insurance matters. This focus gives us knowledge of the laws governing these cases. Our law firm has a history of recovering benefits in Philadelphia and across the country.
- Focus on Disability Law: Our attorneys help individuals secure the disability benefits their insurance policies provide.
- Recognized Excellence: Super Lawyers recognized founding attorney Joe Capitan as a Rising Star in Philadelphia from 2012 through 2021. This award reflects his commitment to skilled legal representation.
- No Upfront Costs: We work on a contingency fee basis. You do not pay attorney fees unless we recover benefits for you.
- National Representation: Our legal team represents clients nationwide for ERISA and group disability claims. We use our experience to challenge major insurance carriers.
Understanding Degenerative Spine Conditions and Disability
A single injury typically does not cause degenerative spine conditions. Instead, spinal structures wear down over time. Discs between vertebrae lose moisture and elasticity as we age. Additionally, spinal joints can develop arthritis.
These changes lead to functional limitations. Many workers in Pennsylvania find it difficult to sit, stand, or lift for long periods. You may qualify for long-term disability benefits when your spine cannot support your job demands.
Common Degenerative Spine Conditions That Qualify for Benefits
Many diagnoses fall under the category of degenerative spine conditions. Insurance policies often cover these issues:
- Degenerative Disc Disease (DDD): Spinal discs break down in this condition. This leads to pain, inflammation, and nerve issues.
- Spinal Stenosis: This condition narrows the spaces within your spine. This narrowing puts pressure on your spinal nerves.
- Spondylolisthesis and Herniated Discs: These conditions involve displaced vertebrae or spinal discs. They often cause intense radiating pain.
- Radiculopathy: People often call this a “pinched nerve.” It occurs when something compresses the nerve roots in your spine. This causes pain, numbness, or weakness.
Why Insurance Companies Deny Degenerative Spine Disability Benefits
Insurance companies operate as for-profit businesses. They often look for reasons to deny claims. Insurers frequently use these tactics for spine conditions:
- Subjective Pain Claims: Insurers often claim your pain lacks objective measurement. They argue this means you are not disabled. However, courts recognize subjective pain when medical evidence supports it.
- Age-Related Wear and Tear: Insurers might argue your condition is a normal part of aging. They claim it should not stop you from working.
- Surveillance: Insurance companies often hire investigators to follow our clients. They also monitor social media accounts. They look for activity that contradicts your disability claim.
- ERISA Rules: Federal ERISA law governs many group disability policies. This law has strict rules for appealing a denial. You must complete administrative appeals before filing a lawsuit.
Important Medical Evidence for Your Spine Disability Claim
You must provide strong medical evidence to recover spine disability benefits. Objective findings help overcome insurance company skepticism.
- Imaging Studies: MRIs, CT scans, and X-rays show structural changes in your spine.
- Clinical Examination Findings: Doctor records should include details on your range of motion. They should also include reflex responses and test results.
- Consistent Treatment History: See your doctors regularly. Follow their recommended treatment plans. This shows you are managing a serious condition.
- Functional Capacity Evaluations (FCE): An FCE measures your physical abilities and limitations. It shows why you cannot perform your job duties.
How Our Philadelphia Disability Lawyers Can Help
Managing a disability claim while dealing with chronic pain is exhausting. Our team at [firm-name] handles the legal details of your case. We start by reviewing your long-term disability policy. This helps us understand what you must prove.
Next, we work with your medical providers and vocational experts. We gather evidence to show you cannot work. Our team provides strong representation for initial applications and denials. We also handle lawsuits in federal court against large insurance companies.
Frequently Asked Questions About Degenerative Spine Disability Benefits
Can I get disability benefits if my MRI only shows “mild” degeneration?
Yes. The diagnosis matters less than how the condition limits your work. Mild degeneration can cause severe pain or nerve issues. These issues make it difficult to perform your job duties.
How does the insurance company define “total disability” for spine claims?
The definition depends on your specific policy. Standard terms include “Own Occupation.” This means you cannot perform your specific job. Another term is “Any Occupation.” This means you cannot perform any job suited to your background.
What if my doctor says I can work, but I am in too much pain?
Pain is a part of disability. You may qualify for benefits if pain prevents you from focusing. It also applies if pain limits your pace or stamina.
Do I need a lawyer to file my initial benefits application?
You can file on your own. However, a lawyer helps you avoid common mistakes. We help make your application complete. We also support it with the necessary evidence.
Contact Capitan Law, PLLC Today
Do not wait to seek help if a spine condition prevents you from working. Starting the process early helps you secure financial support. Capitan Law, PLLC offers free consultations. We help you understand your options. Our team fights for your benefits.
Call us today at (267) 419-7888 to schedule your free case review. We are ready to stand by your side.
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