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Heart-related conditions can limit a person’s ability to perform physically demanding tasks, maintain focus, or handle work-related stress. Some of the most common cardiovascular conditions that may qualify for LTD benefits include:
Many insurers deny LTD claims for cardiovascular disease based on the argument that symptoms are “manageable” with medication or lifestyle changes. Here are some common challenges claimants face:
Filing a strong LTD claim requires comprehensive medical evidence and strategic legal arguments. An experienced long-term disability attorney can:
While cardiovascular conditions are recognized as legitimate causes for disability, obtaining long-term disability benefits can be challenging. Insurance companies often scrutinize claims, requiring extensive medical documentation and proof that the condition substantially impairs work capabilities. Common challenges include:
The experienced attorneys at Raval Trial Law understand the complexities involved in cardiovascular disease disability claims. Our team has successfully represented numerous clients, ensuring their conditions are properly documented and their legal rights are upheld. We work with medical professionals to present clear, compelling evidence to support your claim.
Our Approach
Claims can be denied for many reasons, including incorrect coding for medical conditions, lack of sufficient medical evidence, or discrepancies in the disability documentation. In some cases, insurers may claim the individual is able to work in a different capacity. It's advisable to consult with an attorney to review the denial and appeal if needed.
The time to resolve a disability claim depends on several factors such as the complexity of the case, the specific insurance policies, and the efficiency of the appeals process. On average, claims can take several months to process, but with the right legal support, the process can be expedited.
Heart-related disabilities such as heart attacks, chronic heart failure, arrhythmias, and heart valve diseases can qualify for long-term disability if they significantly impair your ability to perform work duties. Each insurer will have specific medical criteria that must be met
You'll need comprehensive medical documentation for your disability claim. This includes medical records, test results (ECGs, echocardiograms), a doctor’s statement explaining how the condition impacts your work, and your disability insurance policy details
If denied, review the denial letter and gather additional medical evidence. Work with your doctor to provide detailed explanations of how your condition limits your work. Consider hiring an attorney to help navigate the appeals process​
Short-term disability covers temporary disabilities, often for up to 12 months, such as after a heart attack. Long-term disability provides extended coverage when a cardiovascular condition severely impairs your ability to work beyond that period​
When you consult with Raval Trial Law an experienced Houston trial lawyer at our firm will engage you in a collaborative partnership. We understand the unique challenges associated with insurance disputes, and how to navigate them successfully and in a manner that accomplishes our clients’ objectives. Our practical, results-oriented mindset drives every facet of our legal representation. We are laser-focused on working towards the best possible solution for each client.
