Frozen, Torn, or Unstable: Proving Shoulder Disability Claims

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Welcome to Season 5, Episode 36 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Frozen, Torn, or Unstable: Proving Shoulder Disability Claims."

Most people think that getting disability benefits for shoulder problems is as simple as showing medical proof - MRI results, surgical records, or doctor’s notes about your pain and limited motion. But when it comes to Long-Term Disability claims, that’s just the beginning. Insurance carriers often twist the facts, using your own records, treatment notes, or even your words against you to argue that you’re “better” or “should have recovered by now.” In this episode of Winning Isn’t Easy, disability law expert Nancy L. Cavey breaks down what really happens when shoulder disorders collide with the claims process. You’ll learn how the shoulder actually works, and why even a “minor” injury can make it impossible to perform the essential duties of your job. Nancy covers the most common conditions that lead to claims, from rotator cuff tears and frozen shoulder to chronic instability and dislocations, and explains how insurers use tactics like “medical improvement” arguments, surveillance, and Activities of Daily Living forms to undermine your case. You’ll also hear practical advice on how to document your symptoms, treatment progress, and job limitations so your claim tells the full story - not the version your insurance company wants to tell. If your carrier says you’ve recovered, or insists you should be able to work through the pain, this episode shows you how to push back with medical evidence, clarity, and confidence. When it comes to shoulder disabilities, understanding your body, and your rights, can make all the difference. Winning Isn’t Easy, but with the right strategy, you can keep your claim strong and your benefits protected.

In this episode, we'll cover the following topics:

One - Understanding Shoulder Disorders, Anatomy, and the Claims Process

Two - Rotator Cuff Disorders and Long-Term Disability

Three - Frozen Shoulder and Long-Term Disability

Four - Shoulder Instability and Dislocation in Disability Claims

Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.


Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/


Resources Mentioned in This Episode:

LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind

LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits

FREE CONSULT LINK: https://caveylaw.com/contact-us/


Need Help Today?:

Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.

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Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qua