Disability Claims for Cardiac and Circulatory Disorders
If you are at risk of suffering a heart attack or diagnosed with a cardiac or circulatory disorder, you may qualify for long-term disability benefits. Many cardiac disorders allow you to you can apply for individual or group long-term disability benefits.
Unfortunately, you may face denial or termination of these benefits if you have yet to suffer from a disabling event like a heart attack. Individual and group long-term disability insurance companies look for medical documentation of a disabling condition or injury that prevents you from performing the duties of your job or, with some policies, carrying out the tasks in which were trained or educated.
If you have a severe cardiac or circulatory disorder that prevents you from performing your job, you may be eligible for Social Security disability benefits. Some cardiac disorders, such as congestive heart failure, recurrent arrhythmias, and coronary artery disease, may qualify you for disability benefits via Social Security’s Blue Book Listings of Impairments.
If the medical evidence establishes that you meet the requirements of a cardiac disorder listed in Social Security’s blue book, your case should be approved. However, only the most severe cardiac and circulatory conditions are found in the blue book. Some people who have suffered heart attacks don’t even meet the listings. Because these particular listings are complex and technical, you should work with a disability attorney to determine if you meet the requirements.
A wide range of cardiac and circulatory conditions can disable you. If you’re dealing with a cardiac disorder, get help now – your health and livelihood depend on it. Consult an experienced long-term disability attorney at Abell and Capitan Law today. To schedule your free consultation, call (267) 419-7888 now.
Why Do I Need a Lawyer for a Disability Claim?
When you need help with a disability claim, you must hire an experienced lawyer, especially one who is skilled at handling individual or group disability benefits. Not every lawyer is qualified to process disability claims. At Abell and Capitan Law, our attorneys focus exclusively on disability insurance cases.
Because disability law is so detailed and complicated, disability law firms are usually not able to successfully handle other cases. Much like you wouldn’t hire a dentist to perform brain surgery, you don’t want to hire a personal injury lawyer to take on your disability case. If you are applying for disability benefits or appealing your claim, consult with the skilled and compassionate disability attorneys at Abell and Capitan Law, who only take disability insurance cases.
How Can Abell and Capitan Law Help Me?
At Abell and Capitan Law, we fight with dedication for clients who have had short-term or long-term disability claims denied by insurance companies. Attorneys Erik Abell and Joe Capitan established themselves in disability insurance law by choice because they believe that this is the best way that they can use their skills and knowledge to help clients in need. Abell and Capitan Law has earned a reputation for representing disabled individuals with a compassionate and personalized approach.
When you select a lawyer for any legal matter, you want the best in the business. Abell and Capitan Law has America’s most trusted disability insurance attorneys, who have been recognized by Rising Stars, which ranks the highest-performing attorneys in the country. With offices in Kentucky and Pennsylvania, Abell and Capitan Law can assist people in need of disability benefits to claim support throughout the entire United States.
Attorney Erik Abell focuses on long-term disability, individual disability, and short-term disability insurance matters.
Erik earned his Juris Doctor from the Louis D. Brandeis School of Law at the University of Louisville. Joe Capitan focuses his practice on long term disability, individual disability, short term disability, and Social Security disability. Joe was named a Pennsylvania Rising Star by Super Lawyers in 2013 through 2019.
Types of Cardiac and Circulatory Disorders
The cardiovascular system consists of the heart, blood vessels, and the blood that the vessels transport. Common cardiac and circulatory disorders include:
Congestive heart failure – A condition where the heart cannot pump enough blood to meet your body’s needs. With congestive heart failure, the heart is not able to pump blood the way it should. This condition can affect one or both sides of the heart. Common causes of heart failure include coronary artery disease, high blood pressure (hypertension), and diabetes.
Heart attack – Also called a myocardial infarction, a heart attack occurs when the blood flow to your heart reduces severely or restricted entirely. Heart attacks result from the buildup of plaque in the arteries (atherosclerosis). They can be extremely serious and require prompt medical attention.
Coronary artery disease – CAD is the most common type of heart disease and the leading cause of death in the U.S. in both males and females. CAD occurs when the arteries that supply blood to the heart muscle become hardened and narrowed due to the buildup of cholesterol on their inner walls.
Ischemic Stroke – When the arteries to the brain become blocked off or narrow, it leads to reduced blood flow to the brain. The most common type of stroke, symptoms may include the following:
- Paralysis of the face
- Arms, or legs, severe headaches
- Trouble speaking and seeing
- Difficulty walking
Lymphedema – A collection of fluid that causes swelling in the arms and legs.
Recurrent arrhythmias – Involves an abnormal heart rhythm and accompanied by high blood pressure, artery disease, or another cardiac disorder.
Aortic aneurysm – An aortic aneurysm is when an abnormal bulge occurring in the wall of the aorta. The aorta is a major blood vessel that transports blood from your heart to your body. These occur anywhere in your aorta and may be tube-shaped or round.
Heart valve disorders – One or more of the four valves passing blood through your heart may be too narrow, restricting blood flow to the rest of your body and leading to chronic heart failure. If you experience swelling in your ankles and feet along with heart pain, you may have a heart valve issue.
Chronic Venous Insufficiency – When the venous wall in the leg veins isn’t working correctly, it is difficult for blood to return to the heart. This condition causes blood to collect in the veins. This pooling of blood is known as stasis.
Peripheral Artery Disease (PAD) – A narrowing of the arteries in the extremities, leading to limited blood flow to surrounding tissues, pain, weakness, or numbness. PAD can potentially lead to a heart attack or stroke if left untreated.
Postural Orthostatic Tachycardia Syndrome (POTS) – POTS can make you feel lightheaded and dizzy, especially when you get up after lying down. If you have POTS, most of your blood stays in the lower part of your body when you stand up, making your heart beat faster to try to get blood to your brain.
Frequently Asked Questions (FAQs) about Cardiac and Circulatory and Disability Benefits
At Abell and Capitan Law, we are committed to aggressively advocating for those seeking disability benefits from insurance companies. Below are some common questions raised by our clients. We hope you find our answers help. Please call us at (267) 419-7888 if you have questions regarding your specific cardiac disorder case.
What are some signs and symptoms of a cardiac disorder?
Because heart attacks can strike suddenly and often kill their victims, recognizing the signs and symptoms of a cardiac disorder can save your life. Warning sides of a heart attack include:
- Chest pains
- Chest discomfort
- Shortness of breath
- Upper body pain
- Cold sweats
- Arm pain
- Back and neck pain
- Pain and discomfort in your stomach
Why was my disability claim denied?
Denied claims happen for any number of reasons. Many denials happen during the procedural process. For instance, insurance companies use different codes for different types of conditions. If the code for your cardiac condition does not match one that is automatically associated with a disability, your claim will most likely be denied. Other denials may be more complex. Hiring an experienced attorney who focuses on disability claims will put you in the best position for success in the claim appeals process.
How long will it take to resolve my case?
No two cases are alike. Every claim process is different depending on the condition, the benefits available, and the procedures for accessing those benefits. At Abell and Capitan Law, we fight tirelessly for the fastest resolution possible with each disability claim.
Call Abell and Capitan Law For a Free Consultation
If you receive a denial for a disability claim for a cardiac or circulatory disorder – or if you would like to open a new claim – seek the help of the skilled and compassionate attorneys at Abell and Capitan Law today. Our entire practice is devoted to disability insurance law. We can assist you with every aspect of disability claim so that you have a solid chance of success in receiving the benefits you need and deserve. Call (267) 419-7888 today to schedule your free consultation with Abell and Capitan Law. You will not have to pay us any fees unless the insurance company pays you the disability benefits that you are entitled to.