Cardiovascular Disorders and Long-term Disability Benefits
Cardiovascular disease can involve many different problems of the heart and blood vessels. The problems are often related to atherosclerosis, which is a buildup of plaque on the walls of the arteries. This buildup narrows the arteries and increases the risk of a blood clot, which can lead to a heart attack or stroke.
Types of Cardiovascular Diseases
Some common types of cardiovascular diseases include:
- Heart attack
- Ischemic stroke
- Hemorrhagic stroke
- Heart failure
- Arrhythmia (abnormal heartbeat)
- Heart valve problems
Cardiovascular disease can impact your life and ability to work in different ways. A stroke can result in temporary loss of the ability to walk, talk, or perform other tasks. In some cases, rehabilitation can effectively regain these abilities.
How does cardiovascular disease impact your ability to work? Unfortunately, studies have shown that work stress is a risk factor for cardiovascular disease. If you have recently had a heart attack or stroke, you may not be ready to return to work immediately.
Impact of Cardiovascular Disease on Work
If your cardiovascular disease severely limits what activities you can perform, you may be eligible for long-term disability insurance benefits. You will need to provide proof to the insurance company of your disability and functional impairment. For example, if exercise tolerance tests show that you cannot physically exert yourself without fatigue, or if test results show heart abnormalities, you can use this as evidence of your inability to work.
Some difficult situations can arise when an individual files a claim for long-term insurance benefits due to cardiovascular disease, but their cardiac test results are normal following a heart surgery. However, the claimant may still have symptoms such as fatigue. The insurance company may believe that the individual is fit to work and ignore their symptoms.
In these situations, you should consult with a long-term disability attorney. The insurance companies have their own standards for what evidence is considered objective, and you will have to present your case on their terms. If your claim is denied, your attorney can help you with an internal appeal, and then take your case to court if necessary.
Chisholm Chisholm & Kilpatrick handles complex long-term disability claims and appeals. We take your case to court, if needed, to get you the disability benefits you deserve. Call us at 401-331-6300 for a free consultation.
Category: ERISA Law