It is important to understand that it is not the diagnosis that makes someone disabled, but, rather, the functional limitations that result from medical conditions which serve to support one’s claim for disability insurance benefits. At the Law Office of Justin Frankel, we properly advocate the claimant’s functional limitations in support of the claim.
Often, insurance companies deny long-term disability claims, arguing that an illness is based only on subjective complaints or a lack of objective findings to support a condition. Another tactic is to completely refuse to recognize an illness as a disability, accusing the policyholder of merely gathering a series of symptoms.
Insurance companies often also fail to consider the nature of a claimant’s multiple conditions, choosing instead to isolate the conditions and ignore the overall impact upon one’s functional limitations. These strategies are geared with one thing in mind, and one thing only: to delay and deny making payments on a policy.
