It’s typically troublesome to get authorized for long-term incapacity advantages for HIV/AIDS. There are numerous explanation why these are denied. If an insurance coverage firm has denied your declare for LTD advantages resulting from HIV/AIDS, ERISA and different federal and state legal guidelines provide the proper to attraction this denial.
You solely have a restricted time by which to attraction the insurance coverage firm’s choice. Contact Marc Whitehead & Associates with out the delay. The incapacity advantages attorneys at Marc Whitehead & Associates have helped disabled people everywhere in the U.S. get the advantages they deserve, even after their preliminary claims have been denied.
What Is HIV?
HIV (human immunodeficiency virus) is a virus that assaults the physique’s immune system. The one method for an individual to know for certain they’ve HIV is to get examined. If not handled, HIV can grow to be AIDS (acquired immunodeficiency syndrome). There’s at present no efficient treatment for HIV. As soon as persons are contaminated with the HIV virus, they carry it for all times. Nevertheless, with correct medical care, the signs of HIV will be managed.
HIV is a progressive illness. Individuals typically don’t understand they’ve been contaminated. The early signs of an HIV an infection are just like these of the flu, together with fever, chills, aches, and so forth. Acquired immunodeficiency syndrome is the ultimate and most extreme part of HIV an infection. The immune system is so compromised that the person is inclined to a variety of great diseases and infections, together with tuberculosis, pneumocystis jiroveci pneumonia, most cancers, and meningitis.
Insurance coverage Firms Usually Deny Lengthy-term Incapacity Claims for HIV/AIDS
Insurance coverage firms typically delay and deny long-term incapacity advantages for HIV/AIDs. They achieve this in hopes of discouraging candidates from looking for the advantages they deserve. The most typical causes they offer for denying a declare embody:
Subjective limitations clauses.
Signs like ache and fatigue are disabling, however exhausting to ascertain with diagnostic proof. With out exhausting medical proof to help your declare that you’re unable to work due to your HIV-related ache and fatigue, the insurance coverage firm will probably deny your declare.
Your HIV is a preexisting situation.
HIV is a progressive illness. Its results develop into extra extreme over time. It could be years earlier than your signs develop into disabling. The insurance coverage makes use of this as an argument that your HIV is a preexisting situation and never lined by the phrases of your coverage.
To be able to have your declare authorized, you’ll have to have the ability to present stable medical proof exhibiting the progressive worsening of your signs and the way they affect your potential to work. This consists of goal information equivalent to your medical historical past, medical check outcomes, and lab stories in addition to an opinion out of your treating doctor discussing your signs and their prognosis of incapacity.
You Could Qualify For Different Advantages
Along with LTD advantages, you may additionally qualify for incapacity advantages by means of the Social Safety Administration or Veterans’ Affairs. To acquire SSA incapacity advantages, you’ll have to point out that the severity of your signs meets the necessities as listed underneath Part 14.11 of the SSA’s Bluebook of Grownup Impairments. To acquire VA advantages, you’ll have to point out that your HIV/AIDS is service-related.
Get Assist Successful Lengthy-term Incapacity Advantages for HIV/AIDs
If an insurance coverage firm has denied your HIV/AIDS LTD advantages declare, it’s essential to take speedy motion to guard your rights. ERISA and different legal guidelines set up strict deadlines for submitting an attraction. The earlier you name Marc Whitehead & Associates the higher.
Marc Whitehead & Associates will probably be ready that can assist you gather the proof you’ll must display the disabling impairments brought on by your HIV and guarantee your declare will get a good and trustworthy consideration by the insurance coverage firms. We’ve prevailed towards the largest insurance coverage firms on the earth, together with Liberty Mutual, Prudential, the Hartford, and Aetna to call just a few.
Don’t let the insurance coverage firm discourage you. Contact the legislation places of work of Marc Whitehead & Associates at (800) 562-9830 to schedule a free, preliminary session with an skilled long-term incapacity lawyer.