Conditions

It is important to understand that it is not the diagnosis that makes someone disabled, but, rather, the functional limitations that result from medical conditions which serve to support one’s claim for disability insurance benefits. At Frankel & Newfield, P.C., we properly advocate the claimant’s functional limitations in support of the claim.

Often, insurance companies deny long-term disability claims, arguing that an illness is based only on subjective complaints or a lack of objective findings to support a condition. Another tactic is to completely refuse to recognize an illness as a disability, accusing the policyholder of merely gathering a series of symptoms.

Insurance companies often also fail to consider the nature of a claimant’s multiple conditions, choosing instead to isolate the conditions and ignore the overall impact upon one’s functional limitations. These strategies are geared with one thing in mind, and one thing only: to delay and deny making payments on a policy.

We represent policyholders with many medical conditions, including:

Nervous System/Chronic Pain Conditions:

• Chronic Fatigue Syndrome (CFS)
• Fibromyalgia
• Carpal tunnel syndrome
• CRPS and RSD: complex regional pain syndrome and reflex sympathetic dystrophy
• Restless leg syndrome
• Chronic pain syndrome
• Myofascial pain syndrome
• Migraine headaches
• Lyme Disease
• Bell’s palsy
• Seizure disorder

Back, Spinal And Brain Conditions:

• Cervical or lumbar radiculopathy
• Failed back syndrome
• Demyelinating disease
• Chiari malformation
• Temporal lobe phenomenon
• Thoracic outlet syndrome
• Orthopedic issues

Cardiovascular Conditions:

• Coronary dysfunction
• Cardiac Impairment
• High blood pressure
• Stroke
• Heart Attack

Autoimmune Disease:

• Lupus
• HIV/AIDS
• Rheumatoid arthritis
• Diabetes
• Multiple Sclerosis
• Primary biliary cirrhosis

Mental Health Conditions:

• Bipolar disorder
• Chronic stress
• Agoraphobia
• Anxiety and depression
• Post-traumatic stress disorder (PTSD)
• Depression, anxiety, nervous and mental health disabilities

Eye, Ear, Nose And Throat:

• Vestibular dysfunction
• Acoustic neuroma
• Retinitis pigmentosa
• Meniere’s disease

COVID-19:

• Coronavirus Complications
• Enviromental Exposure Complications

Other Conditions:

• Sleep apnea/sleep disorder
• Chemical sensitivity
• Chemical imbalance
• Cancers
• Interstitial cystitis
• Hepatitis
• Ulcerative colitis
• Dercum’s disease
• Bladder Pain Syndrome