At Disability Insurance Law Group, our nationwide claims attorneys know Approximately 1.2 million people in the U.S. have HIV, according to HIV.gov, with an estimated 32,100 new HIV infections occurring last year alone.
The Centers for Disease Control reported the overall goal is to increase the percentage of people diagnosed with HIV who are virally suppressed — which means taking anti-viral HIV treatment drugs — to 95% by 2025 and remain at that number through 2030.
HIV infections allow the virus to multiply and destroy immune cells, which can cause severe flu-like symptoms, including fever, fatigue, swollen lymph nodes, and severe gastrointestinal problems. Those who take anti-viral medications can often experience the same symptoms while adding joint and muscle pain, nausea and vomiting, and severe headaches.
When any of the conditions associated with HIV or its treatment impact an individual’s ability to work, their disability insurance is designed to help soften the financial fallout.
When a disability insurance claim is denied, it can physically, emotionally, and financially devastate people living with HIV/AIDS. We want to help.
Our national HIV/AIDS disability insurance attorneys assist policyholders through the U.S. in strategically submitting their claims by outlining the severity of their conditions, compiling the necessary medical records to support their disabilities, and negotiating with their private or employer-provided insurer to achieve the benefits they are entitled to for their impairment.
Call us today to learn more about how we have successfully produced real results for real people across the U.S. who need our help and how we can assist you in moving forward with confidence during a free consultation.
An individual has a disability if they have a physical impairment that substantially limits one or more major life activities, including primary bodily functions, including the immune system’s functions.
HIV stands for human immunodeficiency virus. It is a virus that attacks the body’s immune system. HIV can lead to AIDS (acquired immunodeficiency syndrome), which is the most advanced stage of HIV infection.
Unfortunately, disability insurance companies will do all they can to deny claims associated with HIV/AIDS for common reasons related to the industry, including:
Some insurance policies have exclusions for pre-existing conditions. If the policyholder was diagnosed with HIV/AIDS before obtaining the insurance, the claim might be denied based on a pre-existing condition exclusion.
Insurance claims often require thorough documentation of the medical condition and its impact on the policyholder’s ability to work. The claim could be denied if the necessary medical records or documentation are incomplete or insufficient.
Insurance policies typically have specific definitions of disability. If the policyholder’s condition does not meet the criteria outlined in the policy, the claim may be denied.
If the insurance company discovers that the policyholder provided false information or withheld relevant information during the application process, the claim could be denied.
If the policyholder fails to pay premiums or the policy lapses for any reason, coverage may be terminated, and claims may be denied.
Some insurance policies have waiting periods before disability benefits are payable. If the disability occurs within this waiting period, the claim may be denied.
There might be disputes over whether the HIV/AIDS condition is the sole cause of the disability or if there are contributing factors that the insurance company believes are responsible.
HIV/AIDS is a chronic medical illness that can make working in any industry, in any position, more than a challenge — but unachievable. If this is true for you, and your disability insurance claim is still being denied, we want to help.
Whether your disability insurance coverage was underwritten as a private or employer-provided policy, we have over 50 years of combined experience pursuing all insurance coverages and corporations for the benefits policyholders nationwide deserve.
Contact our national HIV/AIDS disability insurance attorneys today by calling 954-989-9000 or contact us online to schedule a free and confidential case assessment so we can put our legal skills and resources to work for you — no matter where you live or work in the U.S.
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