Can You Get Disability for a Retinitis Pigmentosa Diagnosis?
Why Retinitis Pigmentosa Disability Claims Are Denied
To qualify for Long Term Disability related to retinitis pigmentosa, a person will need more than a diagnosis. They will need to prove to their insurer that the disorder substantially limits how they are able to perform their work duties.
When the claimant can’t provide evidence that establishes their condition meets their policy’s definition of disability, their claim may be denied.
Insurance companies will often 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 some of the reasons why retinitis pigmentosa claims are denied:
- Your visual impairment isn’t severe enough to meet your policy’s definition of disability.
- Your medical records don’t adequately document your functional limitations.
- The insurer determines you can still perform your occupation.
- Your policy includes “any occupation” language, and the insurer believes you can perform the duties of another occupation.
- Your reported limitations aren’t adequately supported by medical records, testing, or other evidence.
Filing a Retinitis Pigmentosa Disability Claim
A strong retinitis pigmentosa insurance claim should document the effect the disorder has on a person’s ability to consistently perform their work duties.
Fields Law’s retinitis pigmentosa disability attorneys can help you gather the appropriate evidence.
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
When a claimant isn’t able to show the insurer evidence that proves they meet the terms of disability, the claim may be denied.
Carefully documenting the medical and functional effects of your disorder for your retinitis pigmentosa disability claim can help you build a stronger claim. Fields Law can help.
Social Security Disability Benefits and Retinitis Pigmentosa
It’s important to understand that Long Term Disability benefits and Social Security Disability Insurance are two different programs. LTD benefits are private insurance, often offered through an employer, while Social Security is a government program.
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.
Applying for Social Security Disability is a separate process from filing a retinitis pigmentosa 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 your retinitis pigmentosa disability claim is denied, it can leave you feeling shocked and uncertain of what to do next.
The important thing to remember is that a denial does not necessarily mean your claim is over. Many Long Term Disability insurance claims are denied initially, but claimants may have the options to appeal the insurer’s decision.
Many employer-sponsored Long Term Disability policies are governed by the Employee Retirement Income Security Act (ERISA). This federal law requires an ERISA-covered plan to provide a claimant with the opportunity for a full and fair review of their denial, however, not every plan is subject to ERISA.
In most ERISA-governed plans, there is a window of at least 180 days to appeal disability claims. That deadline typically runs from the day you receive your denial letter.
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 retinitis pigmentosa disability lawyers can help you understand the reasons for your denial and begin your appeal. We can help you gather the evidence to create a strong appeal, and help you file it within the appropriate deadline.
Our team of retinitis pigmentosa disease 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 retinitis pigmentosa symptoms restrict your work capacity
- Work with vocational experts to further document how your condition affects your work duties
- File an appeal within ERISA deadlines
When you’re already dealing with the fallout of an illness, the process of appealing an insurance denial can feel overwhelming. We can handle much of the paperwork on your behalf, address the reasons for your claim denial, and advocate for the full extent of benefits available under your policy.
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Get Help With Your Retinitis Pigmentosa Long Term Disability Claim Today
Whether you’re just beginning to file a claim, or your retinitis pigmentosa disability claim has already been denied, Fields Law can help you take the next step.
We provide nationwide advice and representation in disability claims involving retinitis pigmentosa and other illnesses.
Contact Fields Law today for a free initial consultation. We represent clients on a contingency basis, through our Win-Win Guarantee®. There are no up front legal costs – we only get paid if you get paid.
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Nationwide Long Term Disability Insurance Claim Attorneys
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