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It’s a weeknight like any other.

You enjoy dinner with your family. Put the kids to bed. Watch your favorite program, then head to bed yourself.

Only when you wake up, part of your face feels sluggish, difficult to control. You head to the bathroom and look in the mirror. Instantly, you notice the left side of your face is drooping.

It’s difficult to blink or close your left eye. You take a drink of water, but it leaks out of the side of your mouth.

These are all signs of Bell’s Palsy, a type of nerve condition that can result in sudden weakness or paralysis of the muscles in the face.

While its symptoms are temporary for many people, the condition can still make it difficult for those with a Bell’s Palsy diagnosis to carry out their regular work duties. Despite this, many Bell’s Palsy insurance claims are initially denied.

Why? Because a diagnosis of Bell’s Palsy itself typically isn’t enough for an insurer to grant Short or Long Term Disability benefits.

To increase the chances of a Bell’s Palsy insurance claim approval, claimants need to demonstrate how their condition prevents them from performing their regular work duties.

That’s where Fields Law can help.

Our disability attorneys have experience working with clients experiencing a wide range of medical conditions, including Bell’s Palsy. We can help you gather the medical and vocational evidence to build a strong disability claim.

Even if you’ve already had your Bell’s Palsy disability claim denied, Fields Law may be able to help you appeal the decision.

Contact Fields Law today for a free consultation.

Bell’s Palsy (BP) is a form of acute peripheral facial nerve palsy affecting the seventh cranial nerve. This nerve is responsible for controlling facial movements, and also plays a role in taste and tear and saliva production.

One of the most significant effects of Bell’s Palsy is facial paralysis. This can cause Bell’s Palsy to sometimes be confused with a stroke because they both share this same sign. However, the precise cause of Bell’s Palsy isn’t fully understood. It’s thought to involve inflammation or swelling of the seventh cranial nerve, and is distinct from a stroke.

Still, anyone experiencing facial paralysis should not assume that it is Bell’s Palsy, and should immediately seek a medical evaluation.

The severity of the effects of Bell’s Palsy can vary from person to person. Some individuals report relatively mild facial weakness, while others experience nearly complete paralysis on one side of the face.

Because the severity of the condition can vary so greatly, a diagnosis alone is often not enough to qualify a person for disability benefits.

The symptoms of Bell’s Palsy can appear virtually overnight. Within 42-78 hours of onset, individuals may experience:

  • Facial drooping
  • Weakness or paralysis on one side of their face
  • Difficulty or inability to close one eye or blink
  • Drooling and difficulty controlling saliva
  • Difficulty eating or chewing
  • Difficulty drinking without spilling liquid from the mouth
    Pain around the jaw or behind the ear
  • Changes in sense of taste
  • Dryness or irritation of the affected eye
  • Changes in tear production

Not every person with Bell’s Palsy will experience every one of these symptoms. When symptoms do occur, they can last for weeks or months at a time. Some individuals will notice signs of improvement within a few weeks, with complete recovery often occurring in within about 6 months.

However, some people may experience continual facial weakness or paralysis or other lasting effects.

Those who experience longer-lasting symptoms of Bell’s Palsy may experience facial spasms and abnormal involuntary movements, speech or articulation difficulties, eye complications, and persistent facial weakness, and ongoing facial discomfort.

Bell’s Palsy is a significant medical condition, but the question “can you get disability for Bell’s Palsy?” depends largely on how the condition affects your ability to perform your work duties.

In most cases, a diagnosis of Bell’s Palsy alone is not enough for an insurer to approve a claimant for Short or Long Term Disability. You need to demonstrate to the insurer how your condition prevents you from working.

Because Bell’s Palsy doesn’t directly affect a person’s intelligence, concentration, memory, or their ability to perform many physical tasks, documenting how it impacts your work can be difficult.

Some types of work may be more directly affected by the symptoms of Bell’s Palsy than others. For example, occupations where the person is required to speak or communicate heavily can be affected. Bell’s Palsy can create difficulty in articulation and pronunciation of words, which can affect those who serve customers, clients, patients, students, or coworkers.

That can place functional limitations on people who work as salespeople, teachers, attorneys, customer service representatives, therapists, receptionists, and others who spend a large portion of their workday actively speaking.

Individuals whose jobs require prolonged screen usage can also have their work ability affected by Bell’s Palsy. Dryness and irritation of the affected eye, along with other eye-related symptoms, can make prolonged screen use difficult. That can affect software engineers, receptionists, or office workers who spend most of their day in front of a computer screen.

If you’re unsure of how severely your Bell’s Palsy affects your ability to work, consulting with a disability attorney can help you understand your options.

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:

  1. The insurer determines that you do not meet the policy’s definition of disability.
  2. The medical evidence does not adequately document the functional limitations on your ability to work.
  3. The insurer determines your condition is temporary, and will improve before the elimination period ends.
  4. Your policy includes “any occupation” language, and the insurer believes you can perform the duties of another occupation.
  5. The insurer disputes the severity of your symptoms or argues that they do not impose functional limitations.
  6. 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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cases won nationwide

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lawsuits filed

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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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