What Is Rheumatoid Arthritis?
Arthritis is defined by joint inflammation, but in rheumatoid arthritis, the body’s immune system attacks the body’s own tissues, specifically the synovium, a thin membrane that lines the joints. Rheumatoid arthritis is characterized by systemic inflammation, which means that it can affect every other system of the body. The condition can cause swelling, stiffness, and joint pain, but may also affect the cardiovascular system, kidneys, skin, and eyes. As a result, those with rheumatoid arthritis frequently experience chronic pain and fatigue.
The chronic pain associated with rheumatoid arthritis can make even the most rudimentary tasks impossible. When RA symptoms significantly impact a person’s ability to function normally, including being able to work , the time may come when it becomes necessary to apply for rheumatoid arthritis long term disability insurance benefits.
When Is Rheumatoid Arthritis A Disability?
RA is a progressive condition which means that it will get worse over time. Many factors affect how quickly and severely the symptoms will progress, so early diagnosis and treatment can make a big difference. According to an article from the McGill University Health Centre, “RA causes joint damage in 80% to 85% of patients, and in most cases, the damage occurs during the first two years of the disease.”
Dr. Inès Colmegna, a rheumatologist at the Royal Victoria Hospital of the McGill University Health Centre (MUHC), is more emphatic about the effects of illness, stating “without appropriate treatment, RA can cause chronic pain, disability, and in some cases, premature death.”
Video: Invisible Disability Insurance Claims Denied
Is Arthritis A Disability In Canada?
A study conducted by the Canadian Community Health Survey (CCHS) found that 34.4% of men and 39.4% of women with an arthritis disability reported having pain that prevented activities, particularly those between 15 and 44 years of age. In addition, the proportion of men and women with an arthritis disability that reported needing to take days off due to their disability was largest in this age group. They were likely to report at least one disability day within the two weeks before the study.
If any condition, including Rheumatoid arthritis, limits your ability to do your job, it can be grounds for an arthritis disability claim.
Do I Need A Lawyer To Get Long-Term Disability Benefits?
If you apply for long-term disability benefits with the correct documents and your insurance company processes your disability claim correctly, you should be able to receive either short-term or long-term disability benefits. However, insurance companies will look for any reason to deny claims, such as inconsistencies in medical records or missing documentation.
Being unable to work due to a rheumatoid arthritis disability and then having your claim denied can make you feel like you just want to give up. You may be struggling financially as well as trying to deal with the symptoms of your disability. However, remember that many disability claims are denied when first submitted.
If you’ve applied for long-term disability benefits for rheumatoid arthritis or any other illness and your insurance company has denied your claim, your next step should be to consult with a long-term disability lawyer. We have experience in disability law and will help you understand your options and figure out what to do next. We offer a free consultation so you can learn about what choices you have. Our sole focus is to ensure that you get the long-term disability benefits you need and we will advocate on your behalf to ensure that happens.
If you have had your claim for long-term disability denied, contact the long-term disability insurance lawyers at Share Lawyers. Our experienced team of long-term disability (LTD) lawyers can help. We have recently settled cases against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and many more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.