Multiple Sclerosis (MS) is an insidious disease which is no respecter of age. With the MS disability, people routinely want to deny the physical complaints they are experiencing and, even when diagnosed, they want to deny the condition exists or persist in the belief that they will get past it or be part of the fair number of people whose mild case allows them to continue to work.
That effort is noble but, unfortunately, for many, in vain. No one comes to me wanting to be disabled. My clients come to me because the insurance companies force them. All of my clients would rather be at work, supporting their family and enjoying the life they had before their MS disability appeared.
One of the problems is that insurance companies wrongfully think of Multiple Sclerosis as, at least in part, a function of aging but it is not. Because of this, insurance companies frequently dispute the diagnosis in anyone who is considered young. We have handled any number of cases in which Multiple Sclerosis was the disabling condition and have successfully secured benefits for our clients on those cases.
Also, of import in this regard is any policy language which attempts to limit your MS disability benefit entitlement due to this condition which insurance companies suggest are based solely on subjective complaints which they refuse to believe because they judge all claimants to be untrustworthy. This is somewhat ludicrous because the insurance company willingly took your premium. If there is an effort to pigeonhole your claim by such language, the attorneys at Herbert M. Hill, P.A. have successfully defeated such efforts.
However, this is not intended as legal advice. Its sole purpose is to give a general idea of the existing status of the law as it applies to this point. Please do not rely on the previous comments as legal advice. If you have questions, you should contact an attorney who routinely handles claims involving disability insurance. While many law firms claim to handle these claims, Long Term Disability claims represent over 90% of the cases dealt with by Herbert M. Hill, P.A. It is our specialty. We also never represent insurance companies. We welcome the opportunity to discuss your case with you, at no charge. You can contact me at 407-839-0005 or at hmh@herbertmhill.com.
If you would like, after discussing your case, we can set up a meeting. In most circumstances, that meeting would be free of charge.
Herbert M. Hill, P.A. is located in Orlando, Florida with a practice extending throughout the state. While the vast majority of this law firms’ cases are for disability insurance benefits, other areas of practice include employee benefit claims. The firm handles claims arising under ERISA, for disability benefits, medical benefits, retirement benefits, including pension, 401k, termination agreements, as well as claims arising under private disability policies.
