Get Assistance with Disability Insurance Claim from an Experienced Pennsylvania Rotator Cuff Injury Lawyer
Rotator cuff injuries are often associated with professional athletes, but they can happen to anyone. In addition to extreme pain, these injuries lead to muscle weakness and limitations in range of motion. They frequently interfere with sleep, and that can cause a host of problems for professionals and others who are required to concentrate and think clearly to perform their jobs competently.
When a rotator cuff injury effectively makes it impossible for you to work, it would seem clear that you should be able to receive benefits through your disability insurance policy. After all, you purchased coverage to meet your needs when you’re not able to earn because of a disabling condition, and a rotator cuff injury can certainly be disabling. However, insurance companies frequently deny claims for rotator cuff injuries for a variety of reasons. That’s why it is often necessary to work with a Pennsylvania rotator cuff injury lawyerwho understands how to demonstrate that your condition makes you eligible to receive payments under your disability insurance policy.
At Seltzer & Associates, we have focused on these issues for decades, so we know how to satisfy insurance requirements and overcome the objections that insurance companies try to use against unsuspecting policyholders. When necessary, we know how to win cases in court—but most of the time, we can negotiate a satisfactory resolution much sooner without the need for a trial.
How Rotator Cuff Injuries Occur
Unlike some other types of injuries, rotator cuff injuries can occur either due to a sudden traumatic event or they can develop gradually over time due to overuse. When they occur suddenly, it is often because of a fall. Injured workers either fall directly on the shoulder or they injure the shoulder because they instinctively stretched out an arm to break the fall. Jerking on heavy equipment, attempting to lift a heavy object, or being struck in the shoulder are also situations that lead to traumatic rotator cuff injuries.
For those who develop rotator cuff injuries gradually, the damage is often not noticed until it has become severe. Working at awkward angles frequently puts strain on the shoulder, which can eventually lead to rotator cuff injuries. Professionals such as dentists,nurses, and chiropractors often work at angles that put their bodies under tremendous strain, but they are so focused on meeting patients’ needs that they learn to ignore the discomfort until it becomes unbearable.
Rotator Cuff Injuries Impact Professional Roles in a Variety of Ways
It is pretty obvious that rotator cuff injuries impair the job abilities of those who work in construction or other fields involving heavy labor. But many people in other fields also find that a rotator cuff injury severely limits or prevents them from performing job duties. Insurance companies are not readily willing to admit this, so they are more likely to deny claims from professionals.
Rotator cuff injuries can lead to intense pain radiating down the arm that makes it impossible to sit at a desk and type or write. Many professionals spend a large portion of the day communicating or completing analysis in this way, so their ability to function becomes limited and interrupted by pain that disrupts concentration.
Interrupted concentration and sleep patterns disrupted by pain make it difficult for professionals to practice at the high cognitive level demanded by their profession.
Filing a Disability Insurance Claim for Rotator Cuff Injuries
A Pennsylvania rotator cuff injury lawyer at Seltzer & Associates can assist with filing a claim for short- or long-term disability insurance based on rotator cuff injuries. It is important to begin the application process as soon as possible because deadlines are often unexpectedly tight, and it can take considerable time to submit all the material required by the insurance company.
One of the most important parts of the application process is preparing the employee statement. It is necessary to accurately and completely describe the effect of the injury and how it negatively impacts your ability to perform the duties required in your profession. While insurance company forms often provide only a line or two for this statement, we know that to succeed with a claim, you need to submit substantial, detailed information, and we are prepared to help you build a persuasive statement so your claim can be approved quickly.
FAQs About Rotator Cuff Injuries in Disability Insurance Claims
Can a rotator cuff injury really qualify me for disability?
A rotator cuff injury can certainly qualify any policyholder to receive disability insurance proceeds, but only if the policyholder can submit persuasive evidence showing the extent of the condition and the reasons it prevents the policyholder from performing essential job duties. Assistance from an experienced Pennsylvania rotator cuff injury lawyer at Seltzer & Associates can be essential in proving qualifications
Can I claim “Partial Disability” if I can still do some of my work?
If your private disability insurance policy provides benefits for residual disabilities, then you should be able to claim partial disability benefits if you can perform some but not all tasks required by your profession or you can only work for a short time each day.
Will I be forced to have surgery to receive benefits?
Long-term disability policies usually require claimants to receive “appropriate care” in order to receive benefits. That care does not necessarily have to include surgery, however, particularly if the surgery is risky or other options are available. If you schedule a free consultation with our team, we can review the terms of your policy and the details of your situation to assess what is required to fulfill your contractual obligation under the policy.
Find Out More About How Seltzer & Associates Can Help
Rotator cuff injuries tend to be underrated by disability insurance providers. They assume a week or two of rest should be all that is needed for you to resume a full workload.
We know better. If you need to file a claim, your claim has been denied, or you need to appeal, call Seltzer & Associates at 888-699-4222 or contact us online to learn how a Pennsylvania rotator cuff injury lawyer could help you obtain the proceeds you deserve from your disability insurance policy.