Our disability lawyers have handled numerous disability appeals and lawsuits against The Standard on behalf of doctors, dentist, and corporate employees. We are familiar with all of their tactics. The Standard Insurance Company Can Be Tough There have been hundreds of lawsuits filed against Standard due to their failure to pay disability benefits.
Locations Back Disorders Disability Insurance Benefits Claim Back disorders are regularly challenged by long-term disability insurance carriers.
Not everyone suffering from back pain qualifies for long-term disability benefits, therefore the medical records of each client must be reviewed to determine the level of restrictions.
We welcome the opportunity to discuss your long-term disability claim. You can contact us for a free initial consultation. Back pain is one of the most common causes of a person filing for long term disability insurance benefits.
The disability insurance companies are notorious for denying disability benefit claims based on back complaints. According to the disability insurance companies, a lack of objective findings means the claimant must be faking their back pain.
While back claims are regularly challenged due to insufficient medical support there are numerous medical test available in order for a claimant to objectively support their disability claim. Beyond just the physical limitations caused by a back disorder it is essential to take into consideration the side effects of medication and the level of fatigue that a claimant experiences on a daily basis.
We never present a disability claim based on how long you can sit or stand or based on your ability to lift up to 10 pounds. These factors are insignificant when it comes to proving that you are unable to work at least 4 hours every day of the week with reasonable continuity.
What are causes of back pain?
Back pain is a common complaint that affects most people from time to time. However, for some people back pain becomes a Income elasticity of insurance disabling condition. Your back is an intricate structure composed of bones, muscles, ligaments, tendons and discs.
Back pain can arise from problems with any of these components. Back pain most often occurs from strained muscles Income elasticity of insurance ligaments due to improper heavy lifting or a sudden awkward movement.
Back pain may also be caused by rare and serious conditions such as cauda equine syndrome, cancer in the spine or an infection in the spine. Bulging disc — A bulging disc simply extends outside the space it should normally occupy. Usually a bulging disc does not cause significant pain or discomfort.
Herniated disc — A herniated disc is also commonly called a slipped disk or a ruptured disk. Your spine is made up of bones vertebrae cushioned by small oval pads of cartilage or disks consisting of a tough outer layer annulus and a soft inner layer nucleus.
When a herniated disk occurs, a small portion of the nucleus pushes out through a tear in the annulus into the spinal canal. This can irritate a nerve and result in pain, numbness or weakness in your back as well as your leg or arm. Common symptoms that are associated with a herniated disc may include; sciatica a radiating, aching pain accompanied by tingling and numbness that starts in your buttock and extends down the back or side of one legpain, numbness or weakness in your lower back and one leg, or in your neck, shoulder chest and arm, or lower back or leg pain that worsens when you sit, cough or sneeze.
Degenerative disc disease — Degenerative disc disease is not actually a disease, rather it is a term used to describe the changes of the spine as you age. Degenerative disc disease involves the intervertebral discs.
As you age, the discs can lose flexibility, elasticity, and shock absorbing characteristics. They also become thinner as they dehydrate. When all that happens, the discs change from a supple state that allows fluid movement to a stiff and rigid state that restricts your movement and causes pain.
If you have chronic back or neck pain, you may have degenerative disc disease. People suffering from degenerative disc disease will suffer from chronic lower back pain with intermittent episodes of severe lower back pain, radiating hip, buttock and leg pain, numbness and tingling.
Generally the pain does not go below the knees. Lumbar disc disease — Lumbar disc disease usually starts with a torsional twisting injury to the lower back, such as when a person rotates to put something on a shelf or swing a golf club. However, the pain is also frequently caused by simple wear and tear on the spine.
In fact, after a patient reaches 60, some level of disc degeneration is deemed to be a normal finding, not the exception. Most patients with lumbar disc disease will experience low-grade continuous pain that will occasionally flare for a few days or more.
Pain symptoms can vary, but generally are: This pain is generally becomes worse when sitting and can be exacerbated by certain movements particularly bending, twisting or lifting.
The low back pain associated with lumbar disc disease is usually generated from one or both of two sources: Lumbar radiculopathy — Lumbar radiculopathy refers to pain in the lower extremities in a dermatomal pattern.
A dermatome is a specific area in the lower extremity innervated by a specific lumbar nerve. This pain is caused by compression of the roots of the spinal nerves in the lumbar region of the spine.
Most people describe radicular pain as a sharp or burning pain that shoots down the leg which is commonly referred to as sciatica. Spinal stenosis — Spinal stenosis is a narrowing of one or more areas in your spine, most often in your neck or lower back.In aggregate insurance regressions at the country level, the question whether insurance is a normal or superior good translates into whether income elasticity is significantly greater than one or not.
Normal necessities have an income elasticity of demand of between 0 and +1 for example, if income increases by 10% and the demand for fresh fruit increases by 4% then the income elasticity is + Demand is rising less than proportionately to income.
If someone were to give you a $5, raise tomorrow, how would this change your behavior? Economists have a few basic theories for the effects of income changes upon work/leisure consumption, which can be used to predict the effects of tax or welfare policies, among other things.
The price and income elasticities measured in the RAND Health Insurance Experiment (HIE) of the s remain a widely used source of elasticity estimates with respect to . insurance is a normal or superior good translates into whether income elasticity is signi cantly greater than one or not.
25 years after a seminal paper, we reassess . Luncheon November 9, to Speaker: Amy Finkelstein, John & Jennie S. MacDonald Professor of Economics, MIT and co-Scientific Director, J-PAL North America.