Can I Get Disability Coverage for Complex Regional Pain Syndrome – CRPS?
For more than two decades, Jason Newfield has successfully represented claimants suffering from CRPS, a condition often leading to denied claims due to its complex and subjective nature. Previously known as Reflex Sympathetic Dystrophy (RSD), CRPS challenges disability claims processes due to its reliance on subjective symptoms like pain, which are not easily supported by objective tests or imaging. Insurance companies frequently scrutinize such claims, seeking definitive evidence that is often unavailable for CRPS.
What is CRPS?
CRPS is a chronic pain disorder caused by dysfunction in the sympathetic nervous system. It can occur following trauma, surgery, or even without an apparent cause. Symptoms include severe pain localized to a specific area, extreme sensitivity, and temperature changes in the affected region. The condition often involves debilitating burning, aching pain, and fatigue, severely impacting daily life and work capacity.
According to the National Institute of Neurological Disorders and Stroke, CRPS can be severe and disabling, often making it difficult or impossible for individuals to engage in normal activities, including work.
How Can I Protect My Disability Claim if I Have CRPS?
Filing a long-term disability claim for CRPS requires careful preparation and medical documentation to counter insurance companies’ scrutiny. Because CRPS symptoms are often subjective, claims are frequently dismissed. It is essential to provide:
– Diagnostic tests, such as bone scans, MRIs, nervous system tests, or x-rays, to confirm the diagnosis.
– Evidence of functional impairments and limitations.
An experienced disability attorney familiar with CRPS can guide claimants in preparing a strong case, ensuring their medical records, treatment plans, and supporting documentation meet the requirements of the insurance company.
Will I Be Able to Prove I Have CRPS to the Long-Term Disability Insurance Company?
To prove your disability due to CRPS, you will need:
– Clear diagnostic support from medical professionals.
– A treatment plan indicating ongoing efforts to manage the condition.
– Regular updates from your physician documenting your compliance and progress.
Surveillance is often used by insurance companies to challenge the credibility of claimants. Working with an experienced attorney can help you navigate these tactics and protect your claim.
Understanding the Disease and Its Treatment Will Help You Succeed on Your Disability Claim
To support your claim, a thorough understanding of CRPS and adherence to your treatment plan are critical. Common diagnostic tools include:
– Bone Scans and X-rays: Assess structural changes caused by CRPS.
– MRI Scans: Identify tissue changes consistent with the condition.
– Nervous System Tests: Compare temperature and blood flow between affected and unaffected areas.
Treatment options for CRPS vary based on severity but may include medication, nerve blocks, or even surgical interventions. The insurance company will monitor your compliance with these treatments, and failure to adhere may lead to claim denial.
Common Challenges with CRPS Disability Claims
Insurance companies often attempt to reclassify CRPS as a mental illness to limit coverage to 24 months, which is a standard restriction for mental health claims in most policies. This tactic requires aggressive legal representation to counter and protect the full value of your benefits.
Questions? Call Our Office Today at 877-406-7883
The Newfield Law Group has extensive experience representing CRPS claimants. Jason Newfield and his team understand the complexities of CRPS and know how to advocate for clients effectively. From initial claims to appeals, they can guide you through every step of the process.
Call today to discuss your case with an attorney who will provide clear and compassionate guidance. Your financial security and well-being are too important to leave to chance.