When your immune system is functioning normally, your white blood cells sense the presence of foreign (or unhealthy) cells like viruses and bacteria, attacks and destroys them. When your immune system malfunctions, your white blood cells begin to attack healthy blood cells. Many autoimmune disorders are genetic or age-related but you can still qualify for autoimmune disease disability benefits.
One word of caution. Your long-term disability insurance company may latch on to the genetic or age-related aspects of autoimmune disorders and deny your disability claim because they consider them pre-existing conditions or the results of natural aging. Don’t be discouraged by these tactics.
Depending on whether you have an individual or group long-term disability policy, you’ll typically pay 2 percent or less of your annual income. Based on the average American worker, that comes to about $1,000 a year. Disability benefits usually pay 60 percent of your monthly income when you are ill or injured.
How can you pay $1,000 per year to the insurance company and get 60 percent of your annual salary paid to you for months or even years? One way insurance companies keep money in their pockets are by unfairly denying individual or group insurance benefits.
Many people associate autoimmune disorders with diseases such as multiple sclerosis, lupus, or Guillain-Barre syndrome but there many more conditions ranging from irritable bowel syndrome to ear infections that are included in this category.
Common symptoms of autoimmune disorders include:
It can be difficult to diagnose autoimmune disorders but there are certain risk factors that can increase your chances of developing these types of disorders.
Autoimmune disorders can affect many parts of the body and cause a variety of symptoms:
Other diseases which occur because of a malfunctioning immune system include Addison’s disease, alopecia, Guillain-Barre syndrome, multiple sclerosis, and Graves’s disease.
Autoimmune disorders can’t be diagnosed from a single test. Many doctors will perform an antinuclear antibody test or ANA if they suspect an autoimmune disorder is a culprit in your condition. This test checks for antibodies in your system. For example, a vaccination for chicken pox will produce antibodies in your system that will identify and attack the chicken pox virus.
Unlike other diseases such as cancer, your immune system is vital to your survival. You can’t destroy it or remove it but you can suppress it. There are over-the-counter and prescription drugs that can prevent your immune system from attacking healthy cells.
However, it is possible for an immunosuppressant to work too well and prevent your immune system from doing its job. A weakened immune system can make you more susceptible to disease or result in a more serious form of a disease. With a compromised immune system, the common cold becomes a serious illness requiring hospitalization.
Insurance companies may mistakenly or intentionally consider autoimmune disorders the result of genetic or age-related illnesses and deny your long-term disability benefits. Working with an experienced LTD disability attorney can help prevent misdiagnosis of your condition and prevent a claim denial.
If you are applying for have been denied autoimmune disease disability benefits, contact CJ Henry Law Firm, PLLC today.