Brief Answer:
Long Term Disability

Detailed Answer:
Good afternoon. With respect to considering the issue or not of long term disability that question is very difficult to answer on a network such as this since insurance company decisions in this arena are nearly always based upon objective findings of work capacity of any individual no matter whether or not the disability being claimed is a purely subjectively assessed medical problem (i.e. pain) or something more easily assessable and quantifiable (a broken arm, stroke, etc).

Typically, you would undergo some type of functional capacities examination that an insurance would send you to get done. The examiner would see what your abilities were for a variety of tasks and work related maneuvers or movements to see how you function on a background of chronic pain as you've described. Based upon these results and any history that could be obtained the insurance company would make its decision.

Also, and this is important each insurance company or employer (if the evaluation should be done through them) has its own set of criteria which define when a person is deemed "disabled" and so you'd have to meet those parameters as well as waiting periods, premiums, and minimum number of hours at a company which can qualify or disqualify you for benefits.

I'd advise that you check with your human resource dept where you work to find out what the definition of being disabled from your job actually means to begin with and then, go from there. Remember they're looking for medical evidence and meralgia paresthestica...even though the diagnosis can be supported with testing such as EMG/NCV results, is still considered under the rubrick of chronic pain which is extremely hard to quantify to many insurance company's tastes to the point of their accepting it as a disabling condition.

If you are not necessarily going through a company for these benefits or employed and looking to have SSI be considered then, you will once again be sent for an examination by the XXXXXXX administration. In that case the criteria may be a little more lenient but they will still apply criteria considered reasonable and commonplace when it comes to determining whether or not a condition such as MP really qualifies you for being disabled from YOUR job vs. ANY job....which is the way SSI tends to look at things. In contrast, an employer tends to look at disability of an employee as the ability of that person to perform THEIR JOB vs. any job within the company and then, it even comes down to if the employer feels the patient is even employable anywhere else in the company as to whether they will either agree with classifying them as fully disabled or retainable in some other capacity.

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This query has utilized a total of 40 minutes of professional time in research, review, and synthesis for the purpose of formulating a return statement.

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