Long-Term Disability Qualifications
A variety of degenerative diseases, chronic illnesses, neurological disorders, physical disabilities, and other serious medical conditions may qualify for coverage under long-term disability insurance plans. However, your claim may still be denied — even if you meet all the long-term disability qualifications.
If you believe your claim was wrongfully denied, you should contact us now to learn more about appealing the insurance company’s decision.
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Long-Term Disability Insurance Requirements
Long-term disability (LTD) insurance is a type of insurance policy that can provide financial benefits to an employee who is unable to work for a long period due to an accident, illness, or injury.
This type of insurance coverage provides the employee with a portion of their income while they’re absent from work — regardless of whether or not their injury occurred in the workplace.
Generally speaking, you may qualify for long-term disability benefits if you:
- Pay for a long-term disability insurance plan
- Have a medical condition that qualifies as a disability under your insurance policy
- File a claim for long-term disability with your insurance company
Even if you meet the requirements for long-term disability, your claim may still be wrongfully denied.
List of Medical Conditions That Qualify for Disability
Many people think long-term disability insurance is for people who have been physically injured in an accident and are unable to work as a result of their injury.
While this may be true, there are many medical conditions that may also entitle you to receive disability payments.
A few medical conditions that may qualify for long-term disability benefits include:
- Anxiety
- Arthritis
- Autism spectrum disorder
- Bipolar disorder
- Cancer
- Carpal tunnel syndrome
- Cerebral palsy
- Chronic fatigue syndrome (CFS)
- Crohn’s disease
- Degenerative disc disease
- Depression
- Diabetes
- Epilepsy
- Fibromyalgia
- Heart disease
- Herniated disc
- HIV/AIDS
- Lupus
- Multiple sclerosis (MS)
- Neurological disorders
- Post-traumatic stress disorder (PTSD)
- Spine disorders
- Stroke
The above list of medical conditions is not exhaustive, and qualifying conditions vary from policy to policy.
Before filing a long-term disability claim, it’s important to understand how your insurance company defines a disability. This information can be found by carefully reading your insurance policy.
If you believe you were wrongfully denied long-term disability insurance, reach out to our team today. We can help you learn about the different avenues available to you.
Fight Back Against a Denied Long-Term Disability Claim
If your disability claim has been denied but you feel you still qualify for benefits, don’t take “no” for an answer. You may be able to fight back against the insurance company’s decision and pursue the benefits you’re entitled to.
Our team has helped clients across the country secure compensation for their injuries. Our experienced staff will listen to the details of your claim and provide you with information about your legal rights.
Get a free case review now to find out if we can help your family fight back.
Long-Term Disability Qualification FAQs
Do I qualify for long-term disability?
Review the details of your plan to see if you meet your insurance company’s definition of having a long-term what your insurance company considers to be a disability.
If you have a medical condition that qualifies as a disability, you can file a claim with your insurance provider to receive benefits.
If the insurance company denies your claim, we may be able to handle the appeals process on your behalf and seek any benefits you may be owed.
What are the requirements for long-term disability?
For long-term disability benefits, you must have a documented medical condition that prevents you from working and meets your policy’s definition of a qualifying disability.
Requirements and qualifying conditions may vary by provider, so it’s important to review your policy’s terms and conditions to understand the requirements for your disability coverage.
What medical conditions are considered long-term disability?
Long-term disability typically includes medical conditions that result in prolonged impairments impacting a person’s ability to do work tasks or daily activities.
Both physical and psychological health conditions may qualify for long-term disability, but it is important to review your specific policy to understand coverage details for different conditions.
Written by: Long Term Denial Team