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Is sleep apnea a disability? For many people, it can be a serious and disabling medical condition that severely impacts their ability to work. Below, we discuss sleep apnea, how to file a disability claim, and what to do if your claim is denied. Types of Sleep Apnea If you are living with sleep apnea, you may experience interruptions in breathing during sleep. Sometimes these interruptions can last up to two minutes, or occur multiple times every night. Because of reduced oxygen to the brain and body, you may have fatigue during waking hours and wake up feeling tired. There are three primary types of sleep apnea. Obstructive: This is the most common type of sleep apnea and occurs when the back of the…Read More
If you have a private disability insurance policy or receive benefits through your employer, you may be used to dealing directly with the insurance company. But Sedgwick Claims Management Services is a third-party claims administrator. That means that while they do not actually pay out benefits, other companies will use them to review, approve, or deny disability insurance claims. And many Sedgwick disability claims are denied. Sedgwick Manages Both Short and Long-Term Insurance Claims Disability insurance pays a portion of your regular income while you are unable to work. Short-term disability insurance typically provides benefits for a period of months before long-term disability benefits begin. Long-term disability benefits can last for years, in some cases, until retirement. The duration of your benefits will depend on the…Read More
A stroke can cause severe brain damage, negatively impacting a person's ability to think, move or communicate. And in many cases, these cognitive deficits can lead to a permanent disability. If you or a loved one suffered a stroke, here's what you need to know about filing a stroke long-term disability claim. How Can You Tell If Someone Is Having a Stroke? Strokes occur when blood flow to the brain is blocked by a blood clot, an aneurysm bursts, or if blood from a blood vessel leaks into the brain. A stroke can come on suddenly, and the best chance of survival and reducing the severity of disability is to react quickly. Symptoms of stroke include numbness, dizziness or balance…Read More
If you are living with heart disease and struggling to maintain stable employment, you may be eligible for long-term disability benefits. But what heart conditions qualify for disability? Types of Heart Disease According to the Centers for Disease Control, heart attacks are the number one cause of death in the United States for both men and women. Most heart conditions involve the slowing or blockage of blood flow to the heart. Below are common types of heart disease: Heart Attack Atherosclerosis is caused by plaque building up on the walls of your arteries. As the plaque continues to build up, your arteries get narrower and cannot deliver blood to the heart. The result is a heart attack, also called a myocardial infarction or…Read More
While Chiari malformation is a rare condition it is being diagnosed more frequently due to the increased use of imaging tests. But is Chiari malformation a disability? If you suffer from this condition and it keeps you from being able to fully function at work, you may be eligible for disability benefits. What Is Chiari Malformation? Chiari malformation is caused by brain tissue that extends into the spinal canal because of a small or malformed skull. The skull presses on the brain, forcing the two tonsils on the underside of the cerebellum into the upper spinal canal. This condition restricts the flow of the cerebrospinal fluid that protects the brain and spinal cord, which may lead to spinal fluid building up. There are two primary types of this…Read More