Symptoms of Multiple Sclerosis (MS) can be variable and unpredictable. They can also occur years apart from each other and appear to be completely unrelated. However, there are certain symptoms that are commonly experienced by those with MS, such as:
- Walking (gait) problems
- Vision problems
- Cognitive changes
Filing a Claim for Disability Insurance Benefits
If your MS symptoms partially or totally prevent you from working, and you purchased long-term disability (LTD) insurance, or you have it through your employer, you need to file a claim for long-term disability benefits. Whether you have long-term disability coverage through your employer, or you purchased it yourself, you will have to comply with your policy’s rules for filing a claim.
Unfortunately, the insurance company may deny your claim even if you are legitimately disabled. The insurance company may also pay you less than you deserve, or otherwise try to limit what is covered under your insurance policy. If this happens, you may need to file an administrative appeal with 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. An experienced ERISA lawyer can help.
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.