Are Those With Cardiac Conditions Eligible for Long Term Disability?

cardiac conditions long term disability

Cardiovascular disease affects roughly half of all Americans, according to the American Heart Association. The Centers for Disease Control estimates that more than 18 million adults are walking around with coronary artery disease. Smoking, high blood pressure and high cholesterol are the main risk factors for CAD, but job-related stress also plays a major role. You may be wondering if those with cardiac conditions are eligible for long term disability. If you are, please read on, then contact one of our experienced nation-wide LTD benefit lawyers today.

Do people with cardiac conditions qualify for long term disability?

Heart disease and related illnesses are classified as “cardiovascular,” meaning the heart, blood vessels and their related systems. If your cardiovascular disease severely limits what activities you can perform, you may be eligible for long term disability benefits. You will need to provide proof to the insurance company of your condition and resulting impairments.

What cardiac conditions qualify for long term disability benefits?

The most common medical conditions that impact your cardiovascular system are as follows:

  • Heart attacks
  • Coronary artery disease
  • Hypertension, i.e. high blood pressure
  • DVT, i.e. deep venous thrombosis
  • Arrhythmia
  • Atrial Fibrillation
  • Familial Hypercholesterolaemia and High Cholesterol
  • Cardiomyopathy
  • Congestive heart failure
  • Angina
  • Palpitations
  • Heart valve issues
  • Coronary artery spasm

How might a cardiac condition affect your ability to work?

A stroke affects your ability to walk, talk and function on a daily basis. Many people recover from strokes with therapy and rehabilitation and re-learn to function normally.

Having a heart attack may limit your physical abilities, but work-related stress is also a risk factor for having one. This would leave a person unable to return to work in a high-stress environment.

Functional impairments could mean that you are unable to return to work long term or even permanently. In addition to these wide-ranging symptoms, you may have the following associated symptoms:

  • Shortness of breath at rest or with exercise, including a hacking or wheezing cough
  • Water and fluid retention that results in weight gain, swelling, nausea, bloating and increases in urination
  • Difficulty with exertion, including walking, carrying and lifting
  • Fatigue, weakness, dizziness and confusion
  • Medication side effects

Symptoms like these can impede your ability to work or keep you from working altogether.

How do you prove you are eligible for long term disability?

Medical evidence is critical to presenting your claim of a disabling condition. You will need to demonstrate “proof of loss” in your application through the inclusion of medical records, prescriptions history, diagnostic test results and other documentation. Everything must point to the conclusion that you are physically unable to return to work for a period of time, or permanently.

If you have any further questions, please reach out to one of our skilled long term disability insurance attorneys as soon as possible.

Contact our experienced nationwide firm

If you or someone you know is looking to receive long term disability benefits, contact Walker & Hern for a free consultation.

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