Neck Pain Disability Lawyers
If you have been suffering from chronic, debilitating neck pain, you may be eligible for long term disability benefits. Neck pain can be caused by many different problems, such as muscle strain, worn-out joints, nerve compression, injury, and disease. Some neck pain is so chronic and severe that it prevents an individual from working.
If your neck pain is preventing you from enjoying life and making a living, you should contact a long term disability insurance attorney to determine if you qualify for long term disability insurance benefits. These benefits can help support you and your family. Contact an experienced back and spine long term disability insurance attorney from Capitan Law today by calling (267) 419-7888 to schedule your free consultation.
Why Do I Need To Hire An Attorney?
Long term disability benefits can make a huge difference in the life of a person suffering from a disability. Unfortunately, insurance companies make it very difficult to access these benefits. Hiring an attorney increases your chances that your claim applications will be efficient and successful.
Hiring an attorney shows the insurance company that you have an advocate who is well-versed in insurance law and who will know how much compensation you are entitled to. An attorney will know if you are getting a fair settlement, and may be able to negotiate more money for you.
Unfair Practices in Long Term Disability Claims
When an insurance company decides to unfairly deny, delay, or underpay your long term disability claim, you may naturally feel helpless and frustrated. Insurance companies keep profits high by maintaining low claims costs, which often leaves policyholders without the benefits they thought they were entitled to.
Some examples of unfair practices on the part of the insurance company include:
- Paying out lower disability benefits than stated in policy
- Delaying the claim for an unnecessarily long period of time
- Denying a benefits claim without reason
- Asking for excessive or duplicate information
Even for cases of obvious need, like when an applicant can no longer work because of their disability, many insurance companies will often seek to diminish their claim to save themselves (and their shareholders) money. With an experienced long term disability lawyer on your side, you can even the playing field. A knowledgeable attorney will work to ensure that your application is completed thoroughly and persuasively, and will assist you in appealing a denied claim.
Why Should I Choose Capitan Law?
Capitan Law is unique in that it is one of only a few national law firms that work exclusively with disability insurance cases. Most law firms that handle disability insurance law cases do so as a small part of their practice. These firms likely spend more time handling other types of cases, such as personal injury or product liability.
Our narrow focus on disability insurance laws means we have an expert, nuanced understanding of the intricacies of disability insurance law. This highly complicated area of law warrants this kind of exclusive attention. Law firms that only dedicate 10 percent or less of their time to disability insurance law are simply less prepared to take on the big insurance companies.
At Capitan Law, we understand that many people worry that hiring legal representation will be too expensive. That’s why we offer a 100 percent free consultation, in which you can tell us about your case, ask questions, and we’ll get the ball rolling. Call us today at (267) 419-7888 to schedule your consultation.
Neck Pain
Neck pain is a common ailment among adults. About 15 percent of adults in the U.S. said they experienced an episode of neck pain lasting all day in the previous three months. There are many symptoms and types of neck pain. It may be sharp and located in one area or spread out over a broader area. It may cause a headache.
Neck pain may also be a muscle spasm in the neck or upper back region. Tingling or shock-like pain sometimes occurs but is less common, and may radiate down through the arm and hand. Neck pain can cause stiffness and reduced mobility. Other symptoms can include numbness, difficulty swallowing, dizziness, and pain in the face/shoulders.
Meeting Long Term Disability Eligibility Requirements
If your neck pain meets several requirements, you can qualify for long term disability benefits. You must show that your neck pain is caused by one of the following:
- Spinal nerve root compression. This can cause limited spinal mobility, muscle weakness, and loss of sensation
- Spinal arachnoiditis, which is caused by inflammation in the spine that makes it difficult or impossible to stay in the same position for more than two hours
The medical evidence you need to gather depends on the condition causing your pain. Generally, you’ll need a medical history of attempted treatments and your body’s response, as well as an examination of your spine that includes documentation of your neck’s range of motion. Laboratory findings and medical imaging (such as CT scans, MRIs, and x-rays) may be very helpful in proving your condition.
You also may have access to long term disability insurance benefits through private insurance, usually through your employer. Insurance providers have different requirements that policyholders must meet to qualify for long term disability benefits, so it’s a good idea to consult with an attorney who can help you with your unique situation.
Contact A Disability Insurance Attorney
At Capitan Law, we understand the serious effects that chronic and severe neck pain can have on an individual’s life, well-being, and ability to make a living. We are committed to advocating for our clients and helping them access the benefits they deserve. Call us today at (267) 419-7888 to schedule your 100-percent free consultation.
