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Spinal Cord Injuries and Disability Insurance Claims

There is a wide variety of injuries that can lead to people being unable to work. When people are unable to work, they often rely on a disability insurance policy to help replace lost income and help them support themselves and their family. One of the most common and most serious injuries that can trigger a disability claim is a spinal cord injury.

Because the nerves that power the arms and legs leave out of the spine, spinal cord injuries can render someone too weak to work. Sometimes, people are even paralyzed. On the other hand, many insurance companies will fight disability claims for spinal cord injuries, leaving people struggling to find ways to replace lost wages. 

Many Causes for Spinal Cord Injuries

There are numerous causes that can lead to spinal cord injuries. Some people have traumatic accidents while scuba diving when the large waves throw people into rocks. Other people can become seriously injured in car accidents. Even organized activities such as sports can lead to horrendous spinal cord injuries that can leave people paralyzed forever. Regardless of the cause, spinal cord injuries can change someone's life forever.

Symptoms of Spinal Cord Injuries

Because the spine houses the spinal cord and the nerves that power the entire body, there is a myriad of symptoms that can vary in severity depending on the degree of injury. Examples of symptoms include:

  • Chronic pain
  • Paresthesias such as pins and needles sensation
  • Severe weakness in one or more limbs
  • Paralysis of one or more limbs
  • Bowel dysfunction
  • Urinary incontinence or retention
  • Sexual dysfunction

All of these symptoms can severely inhibit someone's ability to work. It is vital that patients with spinal cord injuries rely on a strong disability insurance policy to help replace these lost wages.

Diagnosis of Spinal Cord Injuries

The diagnostic procedures in the medical records will play a large role in any disability insurance claim regarding spinal cord injuries. The diagnosis will depend on the presence or absence of certain symptoms that are then supported by imaging. The physician will first chronicle the timeline and severity of many of the symptoms discussed above. Once this points towards a spinal cord injury, the physician will order an MRI scan to truly define the severity of the injury. If all of the medical tests support the diagnosis of a spinal cord injury, patients have a better chance of getting their disability insurance claim approved.

Professional Assistance for Disability Claims and Spinal Cord Injuries

Because of the number of claims that are filed for spinal cord injuries, some insurance companies will try any number of ways to avoid paying their insurance claim. They may claim that the injury is not permanent. They could even suggest that the test was incorrect or that the patient is faking altogether. For this reason, anyone filing a disability insurance claim should invest in a legal professional for assistance.

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