Can I Get Long Term Disability Insurance if I Have Osteoporosis?

Can I Get Long Term Disability Insurance if I Have Osteoporosis?

There are few things worse than coming to the realization that you are no longer able to return to work. It is seldom a celebrated time in anyone’s life, though if you find yourself in a situation where this is the case, you need to ensure you have an attorney who’s ready to fight for your rights.

For example, if you have osteoporosis, at some point, there is a very good chance you will find yourself unable to work any longer, especially if your profession is a physically active one. Osteoporosis is a condition that causes your bones to become brittle, weak, and opens up the possibility for a serious fracture of the hips, spine, or wrists, among other areas. Those with osteoporosis experience severe back pain, a loss of height over time, a stooped posture, and bone breaks or fractures that very easily occur, such as when coughing. If you have osteoporosis and are unable to return to work, here are some of the questions you may have:

How can long term disability insurance help me?

If your medical condition prevents you from working any longer, you are most likely considering applying for long term disability insurance. If you are granted LTD, you will either be provided with one lump-sum payment or scheduled monthly insurance payments. Long term disability is designed to help those unable to work with their medical bills and other costs associated with their medical condition. However, insurance companies are not necessarily looking out for your best interest, so you must hire an attorney who can help you obtain the long term disability insurance you need.

Will I qualify for long term disability insurance?

To know whether you qualify, you must first speak with your employer or insurer to learn more about your policy. From there, you will file your insurance claim within 180 days. These claims must include MRI results, doctor’s opinions, medical records, and any other medical information that details and verifies how your medical condition affects your daily life and therefore prevents you from returning to work in the future.

What other medical conditions have qualified for long term disability insurance in the past?
You may also qualify for long term disability insurance if you are diagnosed with any of the following:

  • Alzheimer’s disease
  • Back pain
  • Breast cancer
  • Carpal tunnel
  • Cancer
  • Chronic obstructive pulmonary disease
  • Chron’s disease
  • Clubfoot
  • Cardiovascular disease
  • Fibromyalgia
  • Chronic pain
  • Cognitive impairment
  • Degenerative disc disease
  • Dementia
  • Diabetes
  • Mental health
  • Hearing loss
  • Migraines
  • Multiple sclerosis
  • Muscular dystrophy
  • Osteoarthritis
  • Thyroid disorder
  • Stroke
  • Transient ischemic attacks
  • Vision loss

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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