Cardiovascular disorders are a frequent source of individuals’ inability to work and decisions to file a claim for long-term disability benefits. Although surgery can repair some cardiovascular problems, particularly when it comes to atherosclerosis or the build-up of plaque on arteries, a significant recovery period may be necessary in many cases. Long-term disability benefits can be useful in offsetting the financial impact of being off work for some time.

One common cardiovascular problem is a heart attack or myocardial infarction. This condition occurs when a build-up of plaque in arteries severely limits or restricts blood flow to the heart. Another cardiovascular condition is the ischemic stroke, which occurs when arteries limit or block blood to the brain. Strokes can range from mild attacks from which individuals may be able to completely recover with little or no therapy, or very severe attacks that result in permanent brain damage and resulting impairment.

Other cardiovascular conditions may include congestive heart failure, hemorrhagic strokes or aneurysms, arrhythmia, and hypertension. These conditions may not all require significant time away from work, but some may lead to permanent disabilities that could prevent you from returning to work.

These conditions can impact people in different ways, and the symptoms of the specific condition at issue may or may not impair their ability to perform their job duties. A stroke, for instance, may result in the loss of the ability to talk, walk, and perform simple tasks, either temporarily or permanently. For a job in which you must walk a great deal or perform skilled tasks, a stroke can eliminate or substantially reduce your ability to meet the essential functions of your job. In this situation, long-term disability benefits may be appropriate.

Bonnici Law Group has handled the claims of countless individuals who have encountered difficulties in procuring long-term disability benefits under their employers’ ERISA-governed insurance policies. We will protect your rights and advocate on your behalf throughout every stage of the claims process. Call our office at 858-261-5454 to set up an appointment to speak with us today.