Multiple Sclerosis (MS) is a progressive autoimmune disease affecting the central nervous system. Despite the palpable impact of MS on your life, obtaining long-term disability insurance benefits may still be a battle. If you or a loved one has been diagnosed with MS, our knowledgeable ERISA long term disability attorney in Boston can assist you or your loved one throughout the claim process.
Symptoms of MSMS is an inflammatory disease in which the insulating covers (myelin) of the nerve cells in the brain and spinal cord are damaged. The cause is thought to be either destruction by the immune system or failure of the myelin-producing cells. In any case, damage to the myelin disrupts communication between your brain and the rest of your body, resulting in a wide range of debilitating physical, mental and/or psychiatric symptoms, such as:
- Loss of sensitivity or changes in sensation (e.g. tingling, pins and needles, or numbness).
- Muscle weakness or spasms.
- Difficulty moving or with coordination and balance.
- Problems with speech or swallowing.
- Visual problems.
- Acute or chronic pain.
- Bladder or bowel difficulties.
- Problems thinking, concentrating or other cognitive difficulties.
- Emotional problems such as depression and unstable mood.
Different Forms of MSMS progression varies from person to person. Many people who have slow progressing MS are able to continue working even after diagnosis. Further, MS takes several forms, with new symptoms either occurring in isolated attacks (relapsing or episodic forms) or building up over time (progressive forms). Thus, insurance companies require your claim to be supported by strong evidence that your MS has progressed to the point where you can no longer work. Enlisting the assistance of an experienced ERISA Long Term Disability Lawyer will significantly increase your chances of obtaining benefits or prevailing on an appeal after a denial of benefits.
What You Can Do
- Seek treatment. Your first priority is taking care of your health. See your doctor regularly, attend all follow-up appointments, and comply with your doctor’s instructions.
- Report all of your symptoms to your doctor. Don’t exaggerate or understate your symptoms; just be honest.
- Keep a diary. Make regular and detailed records of the nature and severity of your symptoms and how they affect your daily and work life.
- Prepare a detailed job description. Create an itemized list of the tasks you perform daily, including tasks you perform less frequently but are still part of your job duties. Note how your symptoms affect your ability to perform any of the tasks you listed.
What We Can Do
- Obtain and review medical records. We will ensure that your medical records are complete, including your full medical history, detailed history of your MS, and all treatment notes, medical tests results and doctor reports.
- Communicate with your treating physician. We will work with your treating physician to prepare compelling narrative reports describing your condition, symptoms, and how MS affects your daily and work life.
- Compile a persuasive package. We know what the insurance company wants so we understand how best to package your evidence with your application to make a persuasive claim for insurance benefits.
- File an appeal. We will ensure every point in your denial letter is addressed.