Am I Entitled to LTD Benefits if I Have COPD?

Am I Entitled to LTD Benefits if I Have COPD?

There are few things more frustrating, and potentially scary than being unable to return to work due to a debilitating medical condition. In many cases, chronic obstructive pulmonary disease, or COPD, is one of those conditions. COPD is an inflammatory lung disease that obstructs airflow from the lungs, and unfortunately, many people do not even realize they have it until a significant amount of damage has been done. Those with COPD often suffer from a chronic cough, shortness of breath, blueness of the lips or fingernail beds, wheezing, fatigue, unintended weight loss, frequent respiratory infections, and more. Rather obviously, COPD is no joke. Please read on and reach out to our knowledgeable team of LTD attorneys to learn more about how we can help you through the process ahead.

How can LTD insurance help me?

Upon receiving LTD benefits, you will receive either one lump sum payment or monthly payments from your insurance company. However, to receive these benefits, you will need an experienced LTD benefits attorney on your side who can walk you through the process. Insurance companies are businesses, and they will often do whatever they can to deny you the benefits you need. Our firm can help fight back.

What do I need to file my long term disability insurance claim?

The first thing you must do is to speak with your insurer or employer, and from there, you must file your claim within 180 days. This claim should always include various medical records, including doctor’s opinions, MRI results, and any other documentation that can support your claim. Doctor’s opinions are critical, as they detail exactly how your disability affects your daily life, as well as how that disability prevents you from returning to work. Our firm can help you through every step of the process ahead to ensure you do everything needed to receive the compensation you deserve.

What medical conditions also qualify for LTD insurance?

There are various additional medical conditions that may qualify for long term disability insurance under certain conditions, including the following:

  • Osteoarthritis
  • Parkinson’s Disease
  • Digestive tract problems
  • Kidney disease
  • Mental health issues, such as depression, anxiety, and panic disorders
  • Rheumatoid arthritis
  • Serious back injuries
  • Musculoskeletal disorders
  • Cardiovascular conditions
  • Neurological disorders
  • Lupus
  • Lyme disease
  • Autoimmune disease
  • Cancer
  • Vision loss or blindness
  • Hearing loss or deafness
  • Multiple sclerosis

Contact our experienced firm

If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, contact Walker & Hern today.

Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.

Don’t fight the insurance company on your own.
Contact us today for a free consultation.

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