Heart disease can become disabling if not treated properly, and it isn’t relegated to the obese or the stressed-out or those with high cholesterol. It can be indicated by a fluttering feeling in the chest, such as that caused by arrhythmia, or it can be painful, like angina. This post is brought to you by Doctor Disability.
Heart disease can result in lightheadedness, dizziness, fainting, fatigue, swelling in hands and feet, even fluid buildup in the lungs and heart attacks. It is often the cause of long-term disability. About half of patients with acute coronary syndrome are working adults under age 65, according to a University of Colorado study, and the American Heart Association estimates that incidence of coronary heart disease will rise 16% between 2010 and 2030.
Watch for Symptoms and Get Treatment
One would think that doctors, nurses and other medical professionals would be the first to notice symptoms of heart disease and immediately seek treatment, but this isn’t the case. Swelling in the legs and feet is frequently attributed to long hours standing. Fatigue is chalked up to lengthy, tiring days with patients. Dizziness and lightheadedness are easily explained by the lack of opportunities to eat right and properly hydrate.
It’s important to report such symptoms to your personal doctor and to be aware of their implications. Heart disease can often be managed with medication, a pacemaker or lifestyle changes. It could be the case, though, that you need to take an extended period off from your job for valve replacement or bypass surgery. That doesn’t mean your career in medicine is over. It just means that you must take the appropriate time to correct your problem and recuperate from your surgical procedure.
While health insurance will pay most of the medical bills, you will need to have a doctors income protection policy in place to cover your lost pay. A short-term physicians disability insurance policy could be the right product if your recuperation time lasts just a few months. Many short-term policies set a three-month limit for benefits. Depending on the coverage you choose, you could receive income benefits from the first day you are out.
Sometimes heart disease becomes so advanced that it permanently prevents surgeons, emergency room physicians and other doctors from practicing their specialties. In those cases, long-term disability benefits and own-occupation benefits would have to be included in the doctor’s disability policy.
Since qualifying for disability insurance when you have already discovered a condition such as heart disease can be difficult or impossible, it is best to get an income protection policy early, while you are still in good health. Talk to one of our disability insurance specialists at 866-899-7318 or contact us today.