Common Health Conditions That Can Cause a Long-Term Disability

Long-term disability (LTD) insurance is an insurance policy that can provide financial benefits to an employee who cannot work for an extended time due to an illness, accident, or injury. This insurance coverage provides the employee with a percentage of their income while gone from work.

Long-Term Disability Requirements

You might qualify for long-term disability benefits if you:

• Paid for long-term disability insurance
• Have a medical condition qualifying as a disability per your insurance policy
• File a claim for long-term disability with your insurer

Medical Conditions That Could Qualify for Long-Term Disability

Many individuals believe long-term disability insurance is for those who have been physically injured in an accident and are unable to work due to their injury. While this may be true, it’s essential to know many medical conditions may also qualify you to get disability payments.

The medical conditions that might qualify for long-term disability benefits include:

• Bipolar disorder
• Cancer
• Chronic fatigue syndrome
• Crohn’s disease
• Degenerative disc disease
• Fibromyalgia
• Lupus
• HIV/AIDS
• Multiple sclerosis (MS)

The above list of medical conditions is not comprehensive, and qualifying conditions vary from policy to policy. Before filing a long-term disability claim, it’s essential to know how your insurance company classifies a disability. This info can be located by carefully reading your insurance policy.

Filing a Long-Term Disability Insurance Claim

Remember, it’s in the insurance company’s best interest to establish that you do not qualify for long-term disability benefits per the terms of your policy. You can be assured that they will ask for every little detail of your condition, including lab tests, medical records, and other records.

Your insurer might even try to deny your long-term disability claim by misclassifying your disease or claiming that your disability is a psychological condition when it is a chronic disease.

Luckily, if your disability insurance claim is denied, we may be able to help you appeal the result.

Why Hire a Long-Term Disability Attorney?

After a denied long-term disability claim, many feel defeated and confused at the thought of the time and money needed to make the insurance company payout.

Working with our long-term disability claims attorney, who can guide you and manage the appeal process on your behalf, can help deliver you peace of mind and make the legal process simpler for you during this challenging time.

Don’t take the chance of losing your appeal on a technicality or by not having the correct info available, especially not when we may be able to help.

Why Are Some Long-Term Disability Claims Denied?

Often, insurance companies look for reasons to avoid paying long-term disability claims. In many cases, they may try to misclassify your injury, illness, or disability so that you don’t qualify for long-term disability benefits.

There are some legitimate reasons to reject claims, like:

• Application mistakes
• Missing or inadequate medical evidence
• Not meeting the insurance policy’s criteria for a disability

Battle Against a Denied Long-Term Disability Claim

If your disability claim has been rejected, but you think you still qualify for benefits, don’t take “no” for an answer. Contact us for an evaluation of your case to see if you may be able to fight back against the insurance company’s judgment.