Understanding Tinnitus And Long-Term Disability Claims

Imagine a constant ringing or buzzing in your ears that never stops, disrupting your ability to concentrate, sleep, and even perform everyday tasks. This is the reality for many individuals living with tinnitus, a condition that can severely hinder one’s quality of life. In this article, we shed light on tinnitus, its underlying causes, and the hurdles involved in proving it as a disability. Our goal is to provide you with the knowledge and resources needed to advocate for your rights and obtain the benefits you deserve.

What Is Tinnitus?

Tinnitus is a condition characterized by the perception of noise or ringing in the ears when no external sound is present. This can manifest itself as a buzzing, hissing, clicking, or roaring sound. Tinnitus is not a disease in itself, but a symptom of an underlying condition, such as age-related hearing loss or an ear injury.

Less common factors that can cause tinnitus include:

• Meniere’s Disease: This inner ear disorder, which can lead to balance issues and hearing loss, may also cause tinnitus.
• Jaw Joint Issues: Problems with the temporomandibular joint (TMJ), which connects the lower jaw to the skull, can result in tinnitus. Jaw clenching or teeth grinding can damage nearby tissues, potentially triggering or exacerbating tinnitus.
• Tumor-Related Conditions: Vestibular schwannomas (acoustic neuromas) are benign tumors on the nerve connecting the inner ear to the brain. These, along with other tumors in the head, neck, or brain, can induce tinnitus.
• Vascular Problems: High blood pressure, atherosclerosis, or abnormal blood vessel formations near the ear can affect blood flow, leading to tinnitus.
• Chronic Health Issues: Conditions like diabetes, migraines, thyroid disorders, anemia, and autoimmune diseases such as lupus and multiple sclerosis have been associated with tinnitus.

It’s important to note that while many causes of tinnitus are known, some individuals may experience it without a discernible reason.

Symptoms and Complications

The symptoms of tinnitus can vary in severity and can have a significant impact on daily life and work performance. Common symptoms include:

• Persistent ringing, buzzing, or hissing in the ears.
• Difficulty concentrating or focusing because of the constant noise.
• Insomnia or difficulty sleeping.
• Increased stress and anxiety levels.
• Possible hearing loss or impairment.

In severe cases, tinnitus can lead to mental health problems such as depression and anxiety, making it even more difficult to maintain a consistent work schedule.

Is Tinnitus Considered a Disability?

Tinnitus can be considered a disability if it substantially interferes with a person’s ability to work or perform daily activities. The specific requirements a person must meet to qualify for disability benefits for tinnitus depend on whether the person is applying for Social Security Disability or long-term disability insurance benefits.

Qualifying for Social Security Disability Benefits

The Social Security Administration (SSA) does not have a specific listing for tinnitus. However, it may be evaluated under other related conditions, such as hearing loss or mental health disorders, if it causes significant functional limitations. To qualify for Social Security Disability Insurance (SSDI) benefits, you must show that your tinnitus substantially limits your ability to work. This includes:

1. Medical Evidence: Comprehensive medical records detailing the severity and frequency of your tinnitus. This should include audiometric tests, evaluations from an otolaryngologist (ENT specialist), and any other relevant medical documentation.
2. Functional Limitations: Evidence of how tinnitus affects your daily activities and work performance. This may include statements from your healthcare providers, results from functional capacity evaluations, and statements from co-workers or supervisors about your work limitations.
3. Mental Health Assessment: If tinnitus causes anxiety, depression, or other mental health issues, psychological evaluations and therapy records may support your claim.

Long-Term Disability (LTD) Insurance Claims

For those with long-term disability insurance, the process for claiming benefits may be different. LTD policies vary, but generally you must prove that your tinnitus prevents you from performing the duties of your job. Here’s how you can strengthen your claim:

1. Review Your Policy: Understand your LTD policy’s specific definition of disability in your LTD policy. Some policies may require you to be unable to perform your current job, while others may require you to be unable to perform any job.
2. Consistent Medical Treatment: Regular visits to your healthcare provider and adherence to prescribed treatments can demonstrate the ongoing effects of tinnitus.
3. Detailed Documentation: Keep thorough records of all medical visits, treatments, medications, and any accommodations made at work due to your condition.

How a Long-Term Disability Lawyer Can Help

Navigating the complexities of disability claims for tinnitus can be challenging. An experienced long-term disability attorney can help by:

• Gathering Evidence: Helping you gather and organize the necessary medical and vocational evidence to support your claim.
• Filing Appeals: If your claim is denied, an attorney can guide you through the appeals process, ensuring that all necessary documentation is submitted promptly and correctly.
• Representation: Advocate on your behalf during hearings or negotiations with insurance companies or the SSA.

At the Ortiz Law Firm, our experienced disability attorneys understand the impact tinnitus can have on your life and work. If your claim for long-term disability benefits has been denied or you need assistance with your application, contact us at (888) 321-8131. We are committed to helping you get the benefits you deserve.