Chronic Back Pain and Your LTD Claims

Back conditions are one of the kinds of conditions that we see in our law practice with the most frequency. We’re sharing what this kind of condition can mean for LTD claims. 

Often times, the exact nature of a back condition can be misconstrued by insurance companies working to find a reason to deny your claim.  This is usually in spite of the fact that a physician has diagnosed you with a particular back condition, or in fact, performed surgery on you and saw your disabling condition with their own eyes. Conditions like degenerative disc disease, radiculopathy, sciatica, nerve impingement and other issues related to the L5-S1 levels are commonly seen in our practice.

 Language in Short- and Long-Term Disability policies will seek to limit entitlement to benefits by excluding conditions that have been diagnosed solely through subjective complaints. However, for the majority of back conditions, like herniated discs, nerve impingement, degenerative disc disease, and sciatica, the conditions can be shown through objective testing.

 Most cases of back pain are caused by stresses on the muscles and ligaments that support the spine. Sedentary jobs and lifestyles contribute to this kind of stress and/or damage. Insurance companies will be looking for a specific cause for the back pain, and at times, the exact nature of back pain can be difficult to ascertain through standard objective testing.

 Our law firm navigates the complicated issues which are presented in ERISA claims for Short and Long Term Disability related to chronic back pain. If you have any questions about your Short Term Disability or Long Term Disability claim, please give Herbert M. Hill, P.A. a call and we would be glad to answer any questions you may have.   We are available at 407-839-0005 or, toll-free, 844-454-59995, If you would like, after discussing your case, we can set a conference. In most circumstances, that conference would be free of charge but in no circumstance would you be under any obligation to hire me nor would you feel any pressure from me to do so. 

Herbert M. Hill, P.A. is a law firm located in Orlando, Florida with a practice extending throughout the state of Florida.  While the vast majority of cases handled are for disability insurance benefits, areas of practice include employee benefit claims of all sorts.  The firm handles any claims arising under the Employee Retirement Income Security Act (“ERISA”) for disability benefits, medical benefits, retirement benefits of any sort, including pension, 401k, termination agreements or the like as well as claims arising under private disability policies.


By |2020-01-28T16:45:12-05:00January 27th, 2020|Blog, Long Term Disability|0 Comments