COVID-19 has drastically changed the way we live, and it will also drastically change the long-term disability claims landscape. As more Americans contract and recover from COVID-19, the CDC is learning more about the long-term effects of coronavirus. These exist even if a patient only had mild illness and did not require hospitalization. The CDC has documented these commonly reported long-term symptoms:
Other reported long-term symptoms include:
More serious but less commonly reported complications include:
The research is showing that COVID-19 can be more than just a respiratory disease: it can be a gastrointestinal disease that causes diarrhea and abdominal pain. In severe cases it can cause heart failure, kidney damage, headaches, seizures, brain inflammation, Guillain-Barre syndrome, and fainting spells. Because some people can experience no symptoms at all or have lingering effects months following infection, it is difficult to diagnose the disease progression.
While most people will be able to live productive lives with many of these long-term indicators, some of these symptoms, if severe, can be debilitating. If you experience long-haul symptoms such as fatigue and difficulty with concentration which cause you to be disabled from work activities, you may be entitled to disability benefits through your employer’s disability plan. Most employer disability plans are funded through group insurance policies, commonly provided by companies such as New York Life (which acquired Cigna or Life Insurance Company of North America), The Hartford, Standard, Principal Life Insurance Company, Reliance Standard Life Insurance Company, and Lincoln Life Assurance Company of Boston.
Until more is known about the long-term effects of coronavirus, insurance companies will view long-haul COVID claims skeptically. This skepticism may be fueled by treating doctors who may disbelieve or lack the information to make a proper diagnosis.
If you find yourself in this situation, it is important that you consult with an experienced ERISA long-term disability attorney to help you navigate this new terrain. A knowledgeable attorney will be able to:
Due to the complexities of ERISA, insurance policies, and long-haul COVID claims, you do not want to go at it alone. If you believe you cannot work due to the long-term effects of COVID and your long-term disability claim was denied, contact Roberts Disability Law, P.C. for a free consultation about your options.
Michelle not only won our case for me, but was totally professional, confidence inspiring, and reassuring. I felt I was in really good hands each step of the way. After it was all over and I was receiving disability benefits, my spouse and I looked back in retrospect and felt strongly that we could not have made a better choice in disability attorney for my case. Strongly recommended!
I had this misfortune of being denied long term disability under a ERISA policy through my former employer. I was terrified I was going to end up on the streets disabled with nowhere to go since the condition put me down from work and I lost my employment as a result. I was fortunate enough to have been referred to Michelle Roberts who quickly took my case after a review and I received a very fast response and request from the firm to take over my case. I was relieved as within a matter of just days she was diligently…
I am incredibly grateful for Michelle's expertise, wisdom and innovative approach in helping me navigate a quite challenging, and emotionally charged legal situation. Not only was she on point, intelligent and progressive, she was also compassionate and empathetic to the specific challenges in my case. I truly believe she had my best interest in mind, both immediate and long term, and advised me accordingly. Michelle spent a lot of time understanding the complex issues, researching the latest information and opinions around the matter, and handled the resolution with the utmost confidence and professionalism. I highly, highly recommend her and would…
Michelle is one of the most intelligent, professional to the point person I’ve ever dealt with. She has great listening skills and a gentle way of getting to the root of the issue. As a sales professional for 45 years I could have learned a lot from her.
There’s no question that Michelle is one of the most brilliant lawyers one can have the privilege of working with. She’s a partner and consecutive Super Lawyer, so she’s clearly an amazingly capable attorney. But in my experience, what makes Michelle unique on top of her impressive record is her empathy and passion for helping her clients. Michelle has been there for me in action (not just words) every step of the way and has been an unshakable stand of advocacy for my rights and benefits, independent of whether there was a guaranteed return, which is a rare attribute for…
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