Cancer can impact every aspect of your life, including your ability to work. There are many types of cancer, each with their own symptoms. Commonly, cancer patients experience fatigue, inability to focus and concentrate, and sometimes pain. The time it takes to attend doctor appointments and undergo treatment also impacts the ability to work. Chemotherapy and radiation treatment can cause symptoms such as neuropathy or cognitive impairment (commonly referred to as “chemo fog”) that can interfere with the ability work.
If cancer is preventing you from working, and you purchased long-term disability (LTD) insurance, or you have LTD coverage through your employer, you should file a claim for disability insurance benefits. Your long-term disability insurance policy will provide information on how to file a claim with your insurance company.
Insurance companies sometimes deny claims due to lack of objective evidence, self-reported symptoms, or having their own medical experts contradict your own doctor’s opinion. When this happens, you have the right to appeal your denial.
At Chisholm, Chisholm & Kilpatrick, we handle disability insurance appeals across the country. By studying your particular case and using our extensive knowledge of ERISA, we make sure you are in the strongest position possible to appeal your benefits claim denial.
Contact the experienced ERISA lawyers at Chisholm Chisholm & Kilpatrick so that we can determine if we can help you with your appeal. Visit our website to learn more about disability claim denials and to download our free ERISA law guide.