Can You Get Disability for a Bell’s Palsy Diagnosis?
Why Bell’s Palsy Disability Claims Are Denied
Insurers can deny Bell’s Palsy disability claims for a number of reasons, but it’s often because the insurance company argues that despite your condition, you can still perform your regular job duties.
The best way to strengthen your claim is with clear medical evidence, along with documentation and vocational evidence of the impact your condition has on your ability to perform your occupation.
When Bell’s Palsy insurance claims are denied, it’s often for one of these reasons:
- The insurer determines that you do not meet the policy’s definition of disability.
- The medical evidence does not adequately document the functional limitations on your ability to work.
- The insurer determines your condition is temporary, and will improve before the elimination period ends.
- Your policy includes “any occupation” language, and the insurer believes you can perform the duties of another occupation.
- The insurer disputes the severity of your symptoms or argues that they do not impose functional limitations.
- The insurer cites policy provisions or requirements unrelated to the diagnosis, such as an elimination period, preexisting-condition provision, or other coverage requirement.
Filing a Bell’s Palsy Insurance Claim
The strongest Bell’s Palsy insurance claims tend to document the effect the condition has on a person’s ability to consistently perform their work duties.
At Fields Law, our disability attorneys can help you gather the appropriate medical and vocational evidence needed to strengthen your claim.
We help our clients:
- Collect detailed medical documentation
- Gather physician statements that document your limitations
- Connect your limitations to your work duties
- Work with vocational experts to further demonstrate how the condition limits your ability to work
Carefully documenting the medical and functional effects of your disorder for your Bell’s Palsy disability claim can help you build a stronger claim. Fields Law can help.
Social Security Disability Benefits and Bell’s Palsy
It’s important to understand that both Short and Long Term Disability benefits are completely separate from Social Security Disability Insurance. Short and Long Term Disability benefits are forms of private insurance. They are often offered through an employer, while Social Security is a government program.
If a person qualifies for Bell’s Palsy disability benefits through their private insurance, that does not guarantee that they will qualify for Social Security Disability. The Social Security Administration (SSA) has different rules and evaluation criteria than private or employer-provided disability insurance.
Social Security Disability has different eligibility requirements and evaluation criteria than private or employer-provided disability insurance.
Be aware that applying for Social Security Disability is a separate process from filing a Bell’s Palsy disability insurance claim. However, Fields Law may be able to assist with Social Security Disability benefits claims depending on your situation.
What Happens If Your Claim Is Denied?
When a person experiences a condition like Bell’s Palsy, having their disability claim denied can come as a shock.
However, receiving a denial does not necessarily mean the end of your claim. Many Short and Long Term Disability insurance claims are denied initially, but claimants may have the option to appeal the insurer’s decision.
If you have an employer-sponsored Short or Long Term Disability policy, it may be governed by ERISA, although not every employer-sponsored plan is subject to ERISA. ERISA-covered plans provide a claimant with the opportunity for a full and fair review of their denial. Consulting with a disability attorney can help you determine if ERISA applies to your policy.
For an ERISA-covered disability plan, claimants generally have at least 180 days after receiving the denial to appeal. Claimants can also request relevant documents and records from the plan, including information about medical or vocational experts whose opinions were obtained in connection with the claim.
With only a limited time to appeal, it’s important to seek legal help as soon as possible after you are denied.
Fields Law’s disability lawyers can help begin the appeal process by analyzing the reasons for your denial. We can help you gather the medical and vocational evidence needed to create a strong appeal, and help you file it within the appropriate deadline.
Our team of Long Term Disability attorneys can help you:
- Gather additional medical evidence
- Collect detailed statements from your treating physicians
- Obtain a written statement from your doctors that explains how your specific Bell’s Palsy symptoms restrict your work capacity
- Work with vocational experts to further document how your condition affects your work duties
- File an appeal within the applicable deadline
Dealing with insurance companies and denials can feel overwhelming, especially when you’re already dealing with the effects of your condition.
Fields Law can take some of the weight off your shoulders, and handle the necessary paperwork on your behalf. We’ll address the reasons for your claim denial with medical evidence, and advocate for the full extent of benefits available under your policy.
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Get Help With Your Bell’s Palsy Long Term Disability Claim Today
If Bell’s Palsy is affecting your ability to work, don’t put off filing a disability claim. Fields Law can help you take the next step.
We provide nationwide advice and representation in disability claims involving Bell’s Palsy and other illnesses.
Contact Fields Law today for a free initial consultation, and with our Win-Win Guarantee®, there are no upfront legal costs—we only get paid if you get paid.
Call the team at Fields Law today. We can review your situation and help you understand your options.
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