How Long Does Long Term Disability Insurance Go On For
Many people are concerned about the duration of their long term disability insurance, for fear of it ending early. However, there are generally only three circumstances in which long term disability benefits will cease. Your payments may end if you are able to return to work once again, turn 65 years olf, or reach your retirement age under Social Security.
Financial Impact Of Coronavirus
If your finances have been affected by coronavirus, you might be eligible for support from the government.
If you cant work and are on a low income, you might be able to get Universal Credit to help. If you dont have enough money to live on while you wait for your Universal Credit payment, you can ask for an advance payment. If youre self-employed and your ability to work has been affected by coronavirus, you may be able to access a grant through the governments Self-Employment Income Support Scheme.
You might also be entitled to more help with your rent. The government has announced that the Local Housing Allowance will be increased to cover more peoples rents. The government has also announced that homeowners struggling to pay their mortgage due to coronavirus can still apply for a mortgage holiday with their mortgage provider until 31 October 2020.
- Find out more about work and coronavirus
What Medical Conditions Qualify For Cpp Disability
Any medical condition can qualify for CPP disability if it prevents you from doing gainful employment. You must also prove that your disability is permanent.
If you suffer from a terminal illness, then CPP disability will fast-track your application.
Following is the offical requirement for CPP disability benefits. Your medical condition must cause a level of disaiblity to meet the following requirement:
Section 42. When a person is deemed disabled For the purposes of this Act,
a person shall be considered to be disabled only if he is determined in the prescribed manner to have a severe and prlonged mental or physical disability, and for the purposes of this paragraph,
a disability is severe only if by reason thereof the person in respect of whom the determination is made is incapable of regularly pursing any substantially gainful employment, and
a disability is prolonged only if it is determined in the prescribed manner that the disability is likely to be long continued and of indefinite duration or is likely to result in death
In common terms, you can only qualify for CPP disability if your medical condition causes permanent disablity that prevents you from regularly doing any employment.
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What Medical Conditions Qualify For Short
To qualify for short-term disability your medical condition must prevent you from doing your regular job duties. You must show how the symptoms or impairments from your medical condition interfere with your ability to perform you job duties.
To do this you will need to have an official list of your job duties. Then you can get your doctor review the list of duties and confirm that you cannot perform the majority of these duties because of your medical condition.
Most short term disaibltiy plans will require you to be continuously disabled for 7 days or so before you can qualify for benefits. This is called a waiting period or elimination period.
Following is an example of typical wording of the disability requirement for a short-term disability plan. Please note this is only an example, the exact wording is different for each plan:
An employee is entitled to payment of a short-term disability benefit if that employee proves that:
- the employee became totally disabled while covered
- the total disability has continued beyoned the elimintation period
- the employee has been following appropriate treatment for the disabling condition
An employee wil be considered totally disabled while the employee is continuously unable due to an illness to do the essentional duties of the employees own occupation in any setting.
Can I Get Iu For A Service
Finally, as with rating most disabilities, VA must consider whether the veterans heart disease prevents the veteran from maintaining employment. Knowing the symptoms of heart disease and being aware of the high morbidity rates will allow you to keep your doctors informed if you are having regression or related symptoms. In addition, if your doctor is aware of your symptoms, have him document them in your medical records so that you can refer back t previous studies if you need to make a new filing one day. This makes it easier for the VA and the related health care system to assign the proper rating for your disability.
For more information about Ischemic Heart Disease specifically, download our free e-book.
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Va Ratings For Heart Disease
The VA uses a specific rating schedule for the cardiovascular system . When rating these service-connected disabilities for US veterans, the VA considers what is called METs testing.
The higher levels of VA health care disability ratings for the heart are based on your symptoms at various levels of exertion. Every level of exercise is assigned a range of METs . The higher the level of exertion, the higher the METs number. In assigning a heart rating, VA specifically looks at what range of METs causes you to have certain symptoms that put you at high risk.
Where you experience these symptoms after activities like jogging, biking or climbing stairs , a minimum 10% rating is appropriate. VA should rate you at a 30% rating where you experience the symptoms at a level of 5-7 METs. This level of activity would include heavy yard work such as digging or mowing with a push-mower. It would also include recreational activities such as golfing without a cart. The 30% rating would also be appropriate where the veteran has certain test results on an electrocardiogram, echocardiogram, or X-ray. So, again, make sure VA is aware of these tests and any other evidence you may have gathered through public health appointments. Especially, if a non-VA doctor performed the cardiology test.
Make sure that the VA is aware of any heart medications you have been prescribed by your non-VA doctors or a third party medical center.
Cardiovascular Diseases Listed In The Blue Book
- Chronic heart failure occurs when the heart is unable to supply enough blood to the body because it has become weakened due to heart attacks or defects, faulty functioning of the hearts ventricles, or high blood pressure. It often leads to severe fluid retention, known as congestive heart failure.
- Ischemic heart disease occurs when the heart muscle is unable to get a sufficient blood supply its usual cause is coronary heart disease.
- Recurrent arrhythmias abnormal heart rates, either too fast or slow, which may cause fainting or cardiac arrest.
- Symptomatic congenital heart disease birth defects in the heart which cause malfunctions.
- Heart transplant heart replacement due to heart disease which qualifies as a disability up to 1 year.
- Aneurism of aorta or branches swelling in the major arteries of the heart due to heart disease.
- Chronic venous insufficiency circulation problem due to damaged veins, usually in the legs.
- Peripheral arterial disease impaired function of outlying arteries.
If you have been severely affected by heart disease in the form of these conditions, you may qualify for disability benefits.
You might also want to seek out the help of a Social Security lawyer. They will help you get all of your medical documentation in order to give you the best chance of winning your case.
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Please Answer A Few Questions To Help Us Determine Your Eligibility
Cardiomyopathy means any disease of the heart muscle. Depending on the type of cardiomyopathy, it can cause an enlarged heart or a weakened heart that cannot fill properly or pump blood properly. Cardiomyopathy symptoms include fatigue, angina, dizziness, swelling, irregular heartbeat, and shortness of breath. There are several main types of cardiomyopathy that can cause disability if they are not successfully treated with medication.
What Medical Conditions Qualify For Disability Benefits
Any medical condition can qualify for disability benefits. Generally speaking, most disability benefits programs in Canada do not give benefits based on a medical diagnosis. Rather, they provide benefits based on the level of disability caused by the medical condition. So the focus will always be on the level of disability caused by your medical condition, rather than only the name of your medical condition or diagnosis. To qualify for benefits, you must show that the level of disability from your medical condition meets the eligibility criteria of the disability benefits plan in question.
Following is a list of common medical conditions that qualify for disability benefits. For each of these conditions we discuss the unique challenges you will face.
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What Heart Problems Qualify For Social Security Disability
There are a number of heart conditions which often qualify for Social Security Disability benefits. While you may apply for Social Security Disability benefits for any heart problem which causes you to be unable to work, there are a number of heart conditions which are specifically listed by the Social Security Administration. Heart conditions that qualify for disability benefits include Chronic Heart Failure, Ischemic Heart Disease, Recurrent Arrhythmias, Heart Transplant, Recurrent Arrhythmias, and more.
These heart problems have specific guidelines regarding how the SSA will determine whether or not to consider you totally disabled. Qualifying heart conditions can be found in section 4.00 Cardiovascular System of the Blue Book.
Cumulative Effect Of Significant Limitations
To be eligible for the DTC under the cumulative effect of significant limitations category, an individual must have limitations in two or more categories that:
- exist together all or substantially all of the time
- have a combined impact that is:
- equivalent to being unable, or taking an inordinate amount of time, in one category
- present all or substantially all of the time , even with appropriate therapy, devices, and medication
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What Factors Does Va Consider For Ischemic Heart Disease Specifically
First, if you take any continuous medication for your ischemic heart disease, VA should provide a minimum rating of 10%.
Another factor the VA will consider, outside the symptoms the veteran is experiencing, is any heart surgeries. VA will look at whether you had any procedures which might qualify you for a higher rating, at least temporarily. VA will assign 100% for procedures such as:
- heart valve replacement,
- implantation of a pacemaker
Ischemic Heart Disease In Veterans
Ischemic heart disease, also called coronary artery disease , is the most common type of heart disease amongst the general population. The condition occurs at higher rates in the US than any other heart disease and is caused by the buildup of plaque or cholesterol in the arteries of the heart. This buildup can hinder blood flow to the heart and cause a heart attack. CAD is also among the most common conditions in claims for disability benefits.
What Are Symptoms of Ischemic Heart Disease?
When looking at symptoms of ischemic heart disease, VA specifically looks for the following when assigning a rating:
- shortness of breath,
Military veterans do not need to have all of these symptoms to qualify for a particular rating. It is, however, important to know what the possible symptoms may be and how they are related to the potential health outcomes so that you can make all of the necessary follow-up appointments. That way you can inform your doctors, and the veterans health administration if you are having these symptoms.
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Talk To A Disability Lawyer
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Can I Get Disability For Having A Pacemaker
Posted Aug 5, 2021 by Gallo Cazort & Co. Law Firm | Disability Law
A significant number of Americans have heart issues. When the heart has difficulty maintaining a steady, regular rhythm on its own it is a serious health problem. A pacemaker offers a potential solution. As described by the Mayo Clinic, a pacemaker is a small device thats placed under the skin in your chest to help control your heartbeat.
You may want to know: Am I entitled to receive Social Security disability benefits if I have a pacemaker? The short answer is that you are not automatically guaranteed SSDI or SSI benefits, but your pacemaker may be evidence of a disability. In this blog post, our Arkansas Social Security disability lawyers provide a brief guide to pacemakers, heart diseases, and SSDI claims.
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How Are Pacemakers Implanted
Pacemakers are implanted two ways:
- Endocardial approach. This is the most common technique used.
- This procedure is done in a pacemaker or electrophysiology lab.
- A local anesthetic is given to numb the area. A cut is made in the chest where the leads and pacemaker are inserted.
- The lead is inserted through the incision and into a vein, then guided to the heart with the aid of a fluoroscopy machine.
- The lead tip attaches to the heart muscle, while the other end of the lead is placed in a pocket created under the skin in the upper chest.
The doctor will determine which pacemaker implant method is best for you.
What Is Considered Prolonged
An impairment is prolonged if it has lasted for a continuous period of at least 12 months or it is expected to last a continuous period of at least 12 months.
If an impairment is severe and prolonged but does not cause the individual to be blind or to otherwise have a marked restriction, the individual may still qualify under cumulative effect of significant limitations or life-sustaining therapy.
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How Va Rates Heart Conditions
VA rates heart conditions under 38 CFR § 4.104, Schedule of Ratings Cardiovascular System, primarily based on a series of tests. Specifically, VA examiners will perform metabolic equivalent tests , also known as exercise testing.
METs measure the energy cost on your heart during various physical activities. They also measure when an individual starts to experience symptoms during physical activity and how strenuous the activity was during that onset. If you start walking and are already feeling out of breath or dyspnea , then you are going to receive a low METs rating.
The higher the METs rating, the more efficient and functioning your heart is, and the lower your disability rating is going to be. For most heart conditions, VA will assign a 0, 10, 30, 60, or 100 percent rating. If a veteran continuously takes medication for their coronary artery disease, they should receive a 10 percent rating at minimum.
Other symptoms VA looks at when rating heart conditions include shortness of breath, fatigue, angina , dizziness, fainting, and loss of consciousness. The rating criteria is objective and requires an examiner to either interview you or perform an exercise-based test as discussed above. It is important to talk with your doctor and your veterans advocate about providing evidence regarding daily activities that you struggle with because of your heart condition.
Have Questions About Your Va Disability Benefits
Cardiovascular diseases can cause impairment in daily life, no matter your level of disability. If the VA denied your claim or awarded a lower percent rating than you believe you deserve, the team at Hill & Ponton can help. Our veterans disability attorneys work with former service members to obtain disability compensation. Contact us today for a free consultation.
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Qualifying For Ss With A Cardiovascular Condition
There are a number of cardiovascular conditions included in the SSA’s Blue Book Listing of Impairments. However, while arrhythmia is undoubtedly a serious heart disorder, it is often successfully controlled by pacemakers and ICDs. Patients whose condition has significantly improved after the installation of such a device are often unable to meet the Blue Book criteria necessary to qualify for SS benefits.
However, meeting the criteria for arrhythmia in the Blue Book isn’t the only way to qualify for disability benefits. If your condition requires that you must seriously restrict your activities, and youve been unable to work for a period of 12 or more consecutive months, you may still be eligible for disability.
In addition to carefully documented medical records, it’s important to include a Residual Functional Capacity form completed by the doctor who treats your heart condition when applying for SS due to an inability to work. This form discusses a patient’s condition and treatments, as well as how those factors affect the ability to hold a job and perform normal daily activities such as sitting, standing, lifting, and stooping.
Patients whose condition is not well controlled by their pacemaker or ICD may meet the SSA’s listing criteria for arrhythmia if they’ve experienced fainting spells at least three times in the past year. Arrhythmia patients may also qualify for SS benefits if they also have congestive heart failure.