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You may think it's just another bug bite, but tick bites can be dangerous. Tick-born Lyme disease can manifest in a variety of physical and mental symptoms, which may vary from relatively mild to disabling. Unfortunately, many cases of the disease go undiagnosed because the symptoms can mimic other illnesses. Learn more about Lyme disease long-term disability benefits below. Symptoms of Lyme Disease Symptoms of Lyme disease are unpredictable and can be physical, mental, or a combination of the two. Physical symptoms include fatigue, joint swelling, fever, widespread pain, and weakness. Mental symptoms include difficulty concentrating, memory loss, panic attacks, anxiety, and even delusions. Not everyone will have mental symptoms, but like physical symptoms, they can vary from barely perceptible to debilitating. Symptoms of Lyme disease treated with antibiotics usually resolve themselves. If…Read More
Workers diagnosed with cancer usually have access to long-term disability benefits for cancer treatment through their employers, but a diagnosis of cancer does not guarantee your claim for benefits will be granted. Long-term disability policies vary. And the type of cancer, its severity, and treatment options are all a consideration during the benefits approval process. For example, individuals with early-stage cancer may not qualify for long-term disability benefits. But they may be eligible for short-term disability benefits. Your Chance of Getting Benefits May Depend on the Stage of Cancer Cancer is categorized in stages. Stages refer to the size of the cancerous tumor and how widespread the disease is in the body. Stage 1 cancer is defined as an abnormal…Read More
The lasting effects of Multiple Sclerosis (MS) call for a strong support network. And multiple sclerosis disability benefits should be part of your network. Advances in the study and treatment of MS are causes for hope in the future. In the meantime, resources are available to help you create your own brighter future. MS is a chronic autoimmune disease that effects almost a million Americans. The disease attacks the central nervous system impairing the ability of signals to get from the brain to other parts of the body. In addition to the nervous system, MS also affects the brain, spinal cord, and optic nerves. While MS affects individuals of all ages, the majority of people are diagnosed with MS between…Read More
Nearly one-third of Americans have diabetes or prediabetes and about 1.5 million new cases are diagnosed each year in individuals of all ages. When you consider the loss of productivity, the cost of medicine and medical treatment, and loss of income, the cost of diabetes is high. Unfortunately, some insurance providers don't make it easy for doctors or patients to manage diabetes and prevent serious illness. Learn more about qualifying for long-term disability for diabetes below. Understanding the Different Types of Diabetes In general terms, diabetes is a disorder affecting the way your body processes and uses sugar. Insulin is produced by your pancreas and its job is to process sugar from the food you eat and convert it to the energy. When…Read More
Are you disabled and considering working while on long-term disability? There's important information you need to know to make the best decision for you. If your income could be as much as you pre-disability income, or close to it, your long-term disability benefits may be at risk. The key to whether you continue to receive your full long-term disability (LTD) benefits, if you return to work, depends on the specific terms in your policy. Generally, if you have an "own occupation" (own occ) policy, you will have a wider variety of options for returning work than if you have an "any occupation" (any occ) policy. Here's an overview of the policy differences. What Is an "Own Occupation" Policy? Own occupation policies determine…Read More
More than 50 million Americans have some form of arthritis. And this condition can limit or prevent you from working and impact your quality of life. There are over 100 different forms of arthritis which can cause swelling and inflammation of the joints, make movement painful, and cause joint deformities. Many people may not be aware that benefits are available or there may be confusion about the process to apply for benefits. Disability for arthritis can help you mitigate the costs associated with this disease, including: loss of income due to the inability to work, pay for prescriptions and doctor visits, and assisted living devices. So how can you get disability for arthritis? Read on to learn more. How Do…Read More
The answer to the question "is osteoarthritis a disability?" isn't a simple yes or no. Osteoarthritis is caused by wear and tear to the cartilage in your joints. Cartilage is a firm, slippery material that protects the ends of your bones and prevents them from rubbing together. Osteoarthritis is different from rheumatoid arthritis, which happens when your immune system attacks your joints and cartilage. Osteoarthritis typically occurs in the hands, knees, hips, and spine and is a degenerative condition, which means it will worsen over time. It isn't curable, but can be managed with proper treatment. What Are Symptoms of Osteoarthritis? Osteoarthritis often develops slowly and may initially affect only one area of the body, but it can spread to…Read More
For those with traumatic brain injury, or TBI, long-term disability benefits are a crucial component in the recovery process. Traumatic brain injuries can result from: blow to the head, car accident, military service, fall, or accident involving a firearm. The severity of the injury varies greatly depending on the individual and the circumstances. Signs and Symptoms of TBI TBIs are also referred to as a head injury or an intracranial injury. They all refer to the same type of injury. A mild TBI may cause temporary amnesia, headache, nausea and vomiting, ringing in the ears, or problems with speech. A moderate to severe injury can result in any of the symptoms of a mild injury, but may also include convulsions or seizures, uneven pupil dilation, inability…Read More
Stomach cramps, bloating, and diarrhea are common to most people, but if they last for long periods of time and are unusually severe, you may have Crohn's disease. But are you eligible for long-term disability benefits? Below, we explain what you need to know about Crohn's disease and long-term disability benefits. To learn more, contact CJ Henry Law Firm today. What Is Crohn's Disease? Crohn's disease is a form of inflammatory bowel disease (IBD) and can result in tissue damage and increase your risk of other medical conditions. The disease usually affects the lower part of the small intestine but it can appear anywhere in the gastrointestinal system. In most cases, Crohn's disease is a lifetime disorder and therefore requires ongoing medical treatment. The symptoms of Crohn's disease include the following:…Read More
Migraine sufferers know the difference between a regular headache and a migraine. The pain is usually severe and accompanied by other symptoms including nausea, vomiting, auras (areas of blurred vision, or bright flashes of light), and an increased sensitivity to light and sound. Unlike most other headaches, migraines are neurologically based and can range in severity from mild to totally debilitating. If you suffer from migraines, it's important to know what the insurance company will look at when it comes to awarding long-term disability for migraines. To learn more, contact CJ Henry Law Firm today. Living With Migraine Headaches An occasional migraine headache is an annoyance. But for those who experience recurring migraines, they can impact the performance of daily…Read More