Obtaining Long Term Disability (LTD) Benefits for Epilepsy and Other Seizure Disorders
According to the Centers for Disease Control and Prevention, more than 3 million Americans have epilepsy today. Despite all available medication and therapies, many of these individuals live with persistent epileptic seizures. This condition and other seizure disorders can limit a person’s ability to work.
If you were recently diagnosed with epilepsy and are filing a claim for disability insurance benefits, speak with an attorney at our firm. At Tucker Disability Law, we help clients nationwide fight for the disability benefits they deserve.
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Understanding Epilepsy
Epilepsy, also known as a “seizure disorder,” is a condition characterized by unpredictable seizures that may result in other health problems. The condition affects people of all ages and is the fourth most common neurological disorder.
Disabling Symptoms of Epilepsy
The main symptom of epilepsy is unpredictable seizures. There are several types of seizures, including:
Focal Seizures
A focal (partial) seizure is a seizure that results from abnormal activity in only one area of your brain. There are two categories of focal seizures that exist:
- Focal seizures with impaired awareness
- Focal seizures without loss of consciousness
Generalized Seizures
Generalized seizures involve all areas of the brain. The six types of generalized seizures include:
- Absence seizures
- Tonic seizures
- Atonic seizures
- Clonic seizures
- Myoclonic seizures
- Tonic-clonic seizures
The condition affects each person differently and symptoms vary depending on the type of seizure. Epilepsy symptoms include:
- Uncontrollable movements of the arms and legs
- Loss of awareness or consciousness
- Temporary confusion
- Psychic symptoms such as anxiety or fear
Can You Get Disability Insurance Benefits for Epilepsy?
To get approved for long term disability, you must be able to prove that the severity and frequency of your symptoms prevent you from working. This means that you will need to not only include all of your symptoms but you will also need to describe the demands of your occupation.
Epilepsy Long Term Disability Insurance Claims
Epileptic seizures can significantly limit your ability to work or carry out other daily activities.
Due to the unpredictable nature of epileptic seizures, many occupations are unsuitable for individuals with epilepsy. If you recently received a diagnosis of epilepsy, you may not be able to return to work and may consider applying for long term disability insurance benefits.
Unfortunately, it is not uncommon for disability insurance companies to unfairly deny or undervalue claims. Disability carriers such as Hartford or Lincoln Financial, earn billions of dollars in revenue each year. This profitability is in part due to the ability to deny disability claims.
Reasons Insurance Companies Deny Epilepsy Long Term Disability Claims
Disability insurance carriers use a number of different tactics to deny a claim. The may deny your disability benefits claiming that:
- Your epilepsy is a pre-existing condition
- You are not disabled enough
- You should be able to control the epilepsy with medication or surgery
Additionally, an insurer may deny your claim and insist that you go back to work if you have not had a seizure within a 30-day period. Your insurer wants to do what’s best for their bottom line. Do not let your insurance carrier or adjuster give you the runaround.
If the insurer denies your claim or you need help applying for your benefits, contact our law firm.
How the Long Term Disability Lawyers at Tucker Disability Law Can Help
Tucker Disability Law offers comprehensive legal services nationwide for individuals seeking disability insurance benefits. We provide help with disability insurance claims at every stage of the process, including:
- Free initial consultation
- Preparing your claim
- Filing the initial claim application
- Monitoring your disability claim
The process may even include filing an appeal and/or litigating on your behalf.
If you have questions about collecting long term disability due to epilepsy, contact our law firm for a free consultation. It is important to speak to the experienced disability lawyers at the Tucker Disability Law immediately. Our long term disability lawyers may be able to help you obtain the benefits you need if you live with epilepsy. We know how important these benefits are to your overall quality of life and your future.
Contact us online or call us at (866) 282-5260 to schedule a free initial consultation. Our attorneys are licensed in Florida and many federal courts across the nation, and we counsel in all 50 states.
