Strokes can cause permanent life-altering effects. One may not be able to carry out many of the activities necessary to take care of themselves. Many people who suffer an injury such as a stroke cannot get back to their jobs. In these cases having a disability for a long time, receiving benefits for long-term disabilities is vital.
Unfortunately, many employer-sponsored collective disability insurance plans governed by the federal law referred to as ERISA. ERISA shifts the balance to the benefit of insurance companies, and gives an appeal against disabilities the benefit doubt.
That doesn’t mean you have to quit. Personal Injury Lawyer Los Angeles helps stroke victims appeal against unfair denials to receive those disability payments they are entitled to.
If you’ve been denied benefits following an accident, contact the Accident Lawyer attorneys. They will go over the denial letter at no cost and provide a plan on how to challenge the denial.
Understanding Causes, Signs and treatments for strokes
Strokes are the most common cause of disability and death across the United States. A stroke happens when there is a shortage of blood flow to the brain or the blood vessel within the brain is ruptured. The absence circulation of blood causes the affected part of the brain get damaged or to die.
Stroke hemorrhagic is caused by the blood vessel breaks within the brain. Ischemic strokes can be caused by blood clots , or blocked blood vessels.
A stroke’s symptoms include however, they may not be only sudden
- Numbness or weakness in the leg, face or in the arms (especially on the opposite part of your body)
- Trouble walking
- The loss of coordination, dizziness as well as loss of coordination
- Confusion
- Problems understanding speech or speaking
- Inability to focus in eye or in both
- Headache severe with no known root
The signs of a stroke could depend on the part of the brain affected. So, any sudden, undetermined symptoms should be considered an emergency.
Getting medical attention immediately for a stroke increases the chances of survival and also reducing impairments. In general, calling 911 is the best choice since medical professionals are able to begin life-saving treatment on the journey towards the medical facility. Note down the date and time when symptoms started as this will help doctors to treat the patient.
Treatments for strokes can include surgery and medication. Certain medications may dissolve blood clots when administered within four hours after the beginning of symptoms. Surgery may be required in severe cases.
Strokes can result in both long-term and short-term physical and cognitive impairments. Even with a lot of treatment the effects of a stroke could result in an indefinite disability.
Complications and Disabling Consequences of a stroke
Following a stroke, a person might experience one or more mental or physical impairments. The effects of a stroke may include, but aren’t restricted to:
- Paralysis
- Troubles with language and speech
- Memory loss
- The confusion and inability to concentrate or focus
- Vision loss or problems with vision
- Deficiencies in the fine motor abilities, for example, writing, typing, or grasping objects
- Problems with behavior and emotional issues
- Insufficiency of muscles and inability to coordinate
- It is difficult to stand or walk
- Slower movement
- The abnormal movement and tremors
- Chronic headaches
- Inability to perform bodily functions
Patients with strokes might require extensive and lengthy occupational, vocational, physical and rehabilitation therapy. They may also require therapy to help them deal with the cognitive, physical, and emotional impacts of stroke.
Even after a long-term treatment an individual might not fully recover from an injury like a stroke. The patient may suffer from symptoms or develop permanent impairments as a result of the stroke.
The process of filing a long-term disability claim After a Heart Attack
If the repercussions of strokes prevent the person from performing their job, your disability insurance policy could offer benefits. However the insurance provider may differ on the degree to which the issues are debilitating.
An insurance provider will review your medical documents. They want to see proof of diagnostic tests showing that you had a stroke, and that you are experiencing persistent symptoms or impairments.
A doctor must give detailed descriptions of your limitations and an evaluation on your limits. You might require an assessment from a medical specialist in order to show that you continue suffer from debilitating complications caused by stroke.
The insurance company may request an independent medical exam by the medical examiner it selects. The insurance company provides these medical examiners with a fee, which is why they’re less favorable for claimants. They tend to minimize the evidence and symptoms which can lead to an appeal being denied.
The insurance company might also request up-to-date medical records in order to determine whether your health issues are improving with ongoing rehabilitation. If the insurance company is of the opinion that you are able to perform the tasks that allow you to work and continue to work, they may decide to stop your the long-term disability benefits.
It is vital to adhere to your doctor’s treatment plans and continue with your therapies. In the event that you fail to adhere to the treatment plan could be used as justification to decline your claim.
Disabled Long-Term after an Acute Stroke?
There is a possibility to get long-term disability benefits in the event of a stroke. However, the insurance provider will do everything in its capabilities to deny claims. This won’t ease the process for you.
If you’ve received a denial of long-term disability following an accident and you are looking for a long-term disability lawyer is the best choice for you. Accident Lawyer Attorneys can assist you in gathering the evidence needed to challenge the wrongfully denied to your claim for long-term disability. Their lawyer has the expertise and resources to take on the insurance company in case they deny your claim.
It is crucial to keep in mind that if you make an appeal for a long-term disability You only have one opportunity to make sure you get it right.Most insurance policies for group disability are governed by the federal law referred to as ERISA. ERISA generally restricts you from submitting any new evidence to support your claim following the appeal has been made. Thus, having our lawyer submit your appeal for long-term disability could mean an important difference in losing or winning your case.
