Chronic back pain can be caused by an identifiable injury or condition, such as degenerative disc disease or spinal stenosis. It can also occur without an identifiable cause. Chronic back pain is typically considered to last beyond three to six months.
Chronic back pain can lead to symptoms, such as:
- poor sleep
- difficulty concentrating
Chronic back pain can influence every aspect of a person’s life. It can cause an inability to enjoy leisure activities, strained relationships, and problems at work.
Filing a Claim for Long Term Disability
If your symptoms are too severe to continue working, you should file for long term disability benefits. If your employer provides you with long-term disability insurance, your coverage is probably governed by a federal law known as ERISA.
Insurance companies frequently deny claims for chronic back pain, particularly because many of the symptoms are self-reported.
If your long term disability benefits have been denied or limited, you have the right to appeal. First, you will have to appeal internally to the insurance company. You will have to convince the same insurance company that denied your claim to change its denial decision. The appeal is a critical point in your case. Mistakes can irreversibly damage your claim. It is important that you meet the appeal deadline. Many times, this appeal will be your last time to add evidence to the record. If you have to sue the insurance company in court, the court may be limited to reviewing the administrative record, which closed with the final appeal denial from the insurance company. Therefore, with the appeal, you need to send the insurance company all medical and vocational evidence that you would need in court. Each insurance policy has specific language that can affect how you should present your case and what evidence will be required to prove your claim. An experienced ERISA lawyer can help.
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.