Has your coronary dysfunction insurance claim been denied? Fields Law can help you understand your options.

Why Coronary Dysfunction Disability Claims Are Denied

The challenge with filing a coronary dysfunction disability claim isn’t proving that you have the disease; it’s proving how it limits your ability to perform your work duties.

Insurance companies may try to argue that despite your condition, you are still able to perform your job. The best way to strengthen your claim is with clear medical evidence supported by documentation of the impact of your condition on your ability to work.

Without the extra dimension of evidence, your claim is more likely to be denied.

Before you file a claim, keep in mind the biggest reasons why coronary dysfunction claims are denied:

1. Test results appear normal: Standard heart tests often miss small vessel issues, and insurers often rely on these tests. Without specialized tests designed to detect coronary dysfunction, denials are common.
2. Lack of objective evidence: Symptoms are real, but often triggered by stress or exertion, making them hard to measure. Insurers can easily dismiss claims as insufficiently supported.
3. Misunderstood condition: Because coronary dysfunction isn’t as easily detectable as other heart conditions, they can be overlooked or minimized by claims reviewers who are unfamiliar with the condition. They may even claim you are exaggerating your condition.
4. No explicit work limitations: Your doctor may correctly diagnose your condition, but they don’t always document your physical limitations. Without documenting these limitations, insurers are more likely to deny your claim.
   Filing a Coronary Dysfunction Disability Claim

Filing a Coronary Dysfunction Disability Claim

To give your claim the best chance at being accepted, you need to document the effect it has on your ability to keep consistent work. Fields Law can help you do just that.

We help our clients:

• Collect detailed medical documentation, including specialized testing for coronary dysfunction
• Connect their symptoms to work limitations
• Gather physician statements to back up limitations
• Work with vocational experts to further demonstrate how the condition limits your ability to work

Without the right testing and documentation of your work limitations, most patients have a hard time qualifying for work disability benefits.

Fields Law can help you gather the right documentation and evidence to build a stronger claim.

Social Security Disability Benefits and Coronary Dysfunction

Some individuals may also qualify for Social Security Disability, but it’s important to remember that the Social Security Administration (SSA) has different rules and evaluation criteria than private or employer provided disability insurance.

Approval still largely depends on the severity of your specific condition, and its limitations on your ability to work.

Keep in mind that applying for Social Security Disability is a separate process from filing a coronary dysfunction insurance claim. However, Fields Law may be able to assist with Social Security Disability benefits claims depending on your situation.