General. We consider amputation (the full or partial loss or absence of any extremity) due to any cause including trauma,

a. General. An assistive device, for the purposes of these listings, is any device that you use to improve your stability, dexterity, or lower extremities that affect musculoskeletal functioning under these listings. We use the term “skeletal” when we are referring to the structure of the bony skeleton. b. Surgical procedures and associated treatments typically take place over extended periods, which may render you unable to perform work-related activity on a sustained basis. To document such inability, we must have evidence from an acceptable medical source(s) confirming that the surgical management has continued, or is expected to continue, for at least 12 months from the date of the first surgical intervention. These procedures and treatments must be directed toward saving, reconstructing, or replacing the affected part of the body to re-establish or improve its function, and not for cosmetic appearances alone.Major joint of a lower extremity refers to the hip, knee, and ankle-foot. We consider the ankle and hindfoot together as one major joint. A. Amputation of both upper extremities, occurring at any level at or above the wrists (carpal joints), up to and including the shoulder (glenohumeral) joint. it is not necessary for the medical source to evaluate your ability to walk without the prosthesis(es) in place. Work environment. We use the relevant evidence that we have to evaluate your musculoskeletal functioning with respect to the work environment rather than the home environment. For example, an ability to walk independently at home without an assistive device does not, in and of itself, indicate an ability to walk without an assistive device in a work environment. Pathologic fractures may occur with osteoporosis, osteogenesis imperfecta or any other skeletal dysplasias, side effects of medications,

However, AER is the actual interest rate of an investment. As it doesn’t include any fees or charges, it’s a more accurate way to compare different products. Examples of performing fine and gross movements include, but are not limited to, taking care of personal hygiene, sorting and handling papers or files, Under 1.20A, we consider upper extremity amputations that occur at any level at or above the wrists (carpal joints), The inability to use the remaining upper extremity to independently initiate, sustain, and complete work-related activities involving fine and gross movements Imaging (for example, joint space narrowing, bony destruction, or ankylosis or arthrodesis of the affected joint).we need evidence from a medical source describing the type of wheeled and seated mobility device that you use and how you use the assistive device including When we use the phrase “documented medical need,” we mean that there is evidence from a medical source that supports your medical need for an assistive device General. We consider how pain, sensory changes, and muscle weakness caused by compromise of the cauda equina due to lumbar spinal stenosis affect your functioning. The cauda equina is a bundle of nerve roots that descends from the lower part of the spinal cord. Lumbar spinal stenosis can compress the nerves of the cauda equina, causing sensory changes and muscle weakness that may affect your ability to stand or walk. Pain related to compromise of the cauda equina is nonradicular because it is not typically associated with a specific nerve root (as is radicular pain in the cervical or lumbar spine). General. We consider reconstructive surgery or surgical arthrodesis when an acceptable medical source(s) documents the surgical procedure(s) and associated medical treatments to restore function of, or eliminate motion in, the affected major weight-bearing joint. Reconstructive surgery may be done in a single procedure or a series of procedures directed toward the salvage or restoration of functional use of the affected joint. For example, if you see an advertisement for a savings account with a “12% interest rate,” this is the stated interest rate . However, the actual AER will be lower, and you won’t see the true potential of an investment account before the fees are applied. So, when comparing investment choices, pay attention to the AER rather than the stated interest rate. AER vs EAR