Interstitial Cystitis and Long-Term Disability Insurance Claims

Interstitial cystitis is difficult to prove objectively, which is why most insurance companies reject these claims.Long-term disability claims for Interstitial cystitis can be extremely difficult. An insurance company will likely deny your claim when you first apply. They will say "we need objective evidence of your pain."

This can be tough. In Stith v. Prudential Ins. Co. of Am., 356 F. Supp. 2d 431, 439-40 (D.N.J. 2005) the court said

Interstitial cystitis is a condition, for which there is no cure, [and] causes severe pain and burning in the pelvic area, and a frequent and urgent need to urinate.”

Prudential had initially denied the claim. The court found that Prudential's decision was arbitrary and capricious because the disability claims adjuster discounted the weight of medical authority regarding Plaintiff's chronic, severe, unrelieved pain and reliedon a consulting doctor who, while agreeing the patient suffered from interstitial cystitis producing pelvic pain, concluded that the pain is a subjective finding and thus not a basis for benefits under the Plan.

If your claim for disability benefits under an employer-sponsored long-term disability plan has been denied you typically have 180 days to complete your appeal. Understanding what federal courts have said about your disease or illness can be very helpful to your claim.

Ben Glass
Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney